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Now that you have a clear picture of money coming in, money going out, and money saved, you can identify which expenses you can cut back on if necessary. Subtract your expenses from your total income to get the amount of money you have left at the end of the month. If you don’t already have one, put your extra money into an emergency fund until you’ve saved three to six months’ worth of expenses in case of a job loss or other emergency. Don’t use this money for discretionary spending. The key is to keep it safe and grow it for times when your income decreases or stops.