Ключевые слова: allocation, analysis, balance, budgeting, cash, cashflow, categories, control, debt, discipline, discretionary, education, emergency, entertainment, essentials, expenditure, expenses, finances, forecasting, frugality, goals, groceries, health, income, inflow, insurance, limitations, management, mortgage, needs, nondiscretionary, outflow, planning, prioritization, rent, retirement, savings, subscriptions, tracking, transportation, utilities, variance, wants,