BAHASA INGGRIS 11 S2 HAL 040

In a notebook or a mobile application, write in every time you spend money. Be ... about this, because it’s easy to forget.

• diligent

• identify

• expenses

• pleasure

Fixed expenses are ones that you have every month such as rent, ... , car payment, electric, bill, water bill, and student loan payment

• budgeting

• diligent

• necessary

• mortgage

After three months, ... how much you are spending, on average, per month. And look at the categories.

• budgeting

• identify

• calculate

• beginning

This is where most people tend to overspend. Decide what gives you the most ... from these monthly expenses that you feel these costs are worthwhile?

• pleasure

• calculate

• paycheck

• diligent

A key part of ... is that you should always pay yourself first.

• expenses

• budgeting

• beginning

• mortgage