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Introduction In today's dynamic world, handling your finances has become a top priority. Whether you're planning for retirement, understanding budgeting skills is a key step toward achieving your goals. This resource will walk you through effective strategies to improve budgeting. The Basics of Budgeting 1. What is Budgeting? At its foundation, money management is about balancing your income and spending habits. A well-constructed budget helps you track your finances, steer clear of debt, an