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Create a budget to determine how much money you have to put toward savings each month. Make a list of all the money you have coming in each month from your job, any investments you own, alimony, child support or any other source of income. Next, make a list of all the expenses you pay each month, including fixed costs for your rent or mortgage, utilities, cable, Internet and variable costs for clothing, entertainment and transportation. If your expenses are less than your income, the difference represents your starting point for saving. (责任编辑：) |