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Review your plans for the upcoming month, and make a note of any extra expenses that you are likely to incur. This includes, but is not limited to: scheduled car or home repairs, medical or dental bills, gifts, trips, parties, extra meals out, subscription renewals and holiday-related purchases. Subtract your extra expenses from the figure that you arrived at in Step 2.Remaining money: $ Build in a cushion. Look at how much money you expect to have left after covering all of your anticipated expenses, and decide if what remains is enough extra against unexpected expenses (car or home repairs, medical bills, missed work time, etc.) If you are not sure how much extra to build in, 10-percent of your remaining money in #4 is a good rule-of-thumb.Cushion: $ Rework your budget. If your budget comes out on the negative side, go over your monthly expenses again, and look for places to make cuts. Keep at it until your budget works for you. Invest in yourself. 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QbjvqdSJgMUciTP a2@2 @կ1                                                      OXa:9 )F=j<) )>"ID#.:*V+9dB+W9Y9\dL\cd\cee<fFk9uy)V|BVZL%HC2;To,`?]"^ts87gB${$|klx&m)@ +@++@{@UnknownG*Ax Times New Roman5Symbol3. *Cx Arial7@Cambria?= *Cx Courier New;WingdingsA$BCambria Math"hr'gr'g^!=^!=!8r4 2qHX ?kl2!xx )Creating a Monthly Spending Plan (Budget))Creating a Monthly Spending Plan (Budget)0Creating a Monthly Spending Plan (Budget),budget+Office of Human Resources Management (OHRM)Fitzgerald, Brendan (VACO HRIS),        Oh+'0H4p    (08@,Creating a Monthly Spending Plan (Budget),Creating a Monthly Spending Plan (Budget),Office of Human Resources Management (OHRM)4Creating a Monthly Spending Plan (Budget),budget$Date Reviewed: 7/2/2014 9:49:51 AM Normal.dotm Fitzgerald, Brendan (VACO HRIS)2Microsoft Office Word@@@^՜.+,D՜.+,Tx   6 Department of Veterans AffairsEnglishs`=! *Creating a Monthly Spending Plan (Budget) TitleP :BDate Reviewed@Q  !"#$%&'()*+,-./012345689:;<=>@ABCDEFIJKNOPQRSTUVWRoot Entry FM@Data 1Table 4WordDocument A&SummaryInformation(7DocumentSummaryInformation8?MsoDataStorepVKYBLZ2UOQN1==2 +Item  PropertiesO44Z4MZOCZGA0==2 +Item  PropertiesAmCompObjOr  !"#$%&'()*+,-./0123456789:;<=>?@BCDEFGHIJKLMNPDocumentLibraryFormDocumentLibraryFormDocumentLibraryForm This value indicates the number of saves or revisions. 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