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Finances (digital sample)

Finances (digital sample)

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This notepad is based on the 50-20-30 rule. This states that 50% of your income should go towards everyday living expenses, 20% should go towards long term saving or paying off debt, and 30% should go towards non-essential spending. This notepad asks you to make a plan each month or week as to where you're spending is going to go, and then to write down what actually happened. It uses a balance sheet system to force you to account for every coin. If you spent more than you earned, did the extra cash come from savings or credit cards?



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