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I ran across your post by accident. There's a ton of resources out there for creating and tracking a budget. Your post sounds a little like me only about 30 years younger. I remember the pain of creating and maintaining a budget to try and figure out where the money was being spent. In those days I was lucky to have a computer with some simple software to give me a little help in doing this. The best way to take the pain out of a budget is let the computer do it for you, and there is a free service at that will help you with your budget. It'll take a lot of the pain out of the budget making/maintaining process. I would suggest building about a 3 month history before really looking at the numbers. A 12 month history will give you a better idea of how things are being distributed.

Good luck
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