Personal Budget & Expense Reduction

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I’m looking for a finance-savvy freelancer to craft a practical monthly budget that will keep every bill paid on time. My biggest pain point is loan and credit-card payments, so the plan needs to prioritise those due dates while trimming day-to-day expenses elsewhere. To make this work I’ll need: • A clear snapshot of my current income, fixed costs, and variable spending. • A streamlined budgeting template (Excel or Google Sheets is fine) set up with automatic reminders for each payment date.…

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