You need to develop a personal budget. Try to be as realistic as possible. If you are

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You need to develop a personal budget. Try to be as realistic as possible. If you are going to school and not working then do some research to find out what salary you will be making when you graduate. If you are working full time you can use your income now or an estimated amount assuming you will be making more money when you graduate.

For Example:

Budget Actual

Gross Monthly Pay

Total est deductions

Net Pay

Rent/Mortgage

Utility