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Build Your Budget

  • STEP 1: Calculate Your Daily Disposable Income
  • Here’s a sample to guide you and help you calculate your own.

    First, estimate all of your after-tax (amount of pay you receive after taxes) income for the month. Divide your income number by the number of days in the month to give yourself a daily goal. That number will be known as your Daily Disposable Income. Having a daily goal will help you stay within your budget. Some days are more or less expensive than others and some months will be more or less expensive than others.