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you have your pocket money and you have some expenses -without proper allocation of the money and you may not have enough for what you are planning to buy. personal budget helps to solve this problem. budgeting involves understanding how much money you have and how much money you spend over a period of time. when you create a budget, you are creating a plan for spending and saving money. for many people it is a difficult thing to save money. the following tips may help you organise your personal budget.