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This is important because the spending plan in your head is probably different from the reality you'll be writing down. You can use an old fashioned ledger book, or a spreadsheet like the one below. There are even interactive websites like www.edwise.org to help you organize and analyze your spending habits and help you to begin to develop your spending plan.
Student Spending Plan (Excel)
Remember - your spending plan is just that - a plan, and as your life changes and things happen, your plan will need to change also. So, the final step in creating a spending plan or budget is to adjust it according to your reality.
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