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careful planning and prioritizing are required to create a budget with less than 20,000

HIMANSHU MISHRA

1. Find out how much you make: Compute your absolute month to month pay,

2. Track Your Costs: Monitor every one of your costs for a month.

3. Make Essential Expenses a Priority: Begin by designating assets for fundamental costs, like

lodging, utilities, transportation, food, and medical care. These ought to be your primary concerns.

4. Reduce Unnecessary Spending: Audit your insignificant costs,

for example, diversion, eating out, memberships, and optional buys.

5. Cost of Housing: If housing costs take up a significant amount of your

budget, you might want to look into government housing programs that

provide subsidized rates, rent a smaller or shared apartment, or negotiate a lower rent.

6. Transportation: Utilize public transportation whenever possible to cut down on transportation costs.

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