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 * Personal financial statements enable you to analyze your current financial situation.
 * Increasing your savings will help you meet your financial goals.

Preparing a Practical Budget
 * Setiing Your Financial Goals
 * Estimating Your Income
 * Budgeting for Unexpected Expenses and Savings
 * Budgeting for Fixed Expenses
 * Budgeting for Variable Expenses
 * Recording What You Spend
 * Reviewing Spending and Saving Patterns