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How can I monitor my finances?
If your income doesn’t cover your expenses you must find a way to either increase your income or reduce your expenses. Unnecessary expenses should be eliminated so as to ensure sufficient funds for the payment of bills.

Firstly, set aside funds to cover your monthly expenses (rent, water, electricity, loan instalments) and enough money for your basic requirements (food, clothing, insurance). Secondly, focus on the non-essentials - areas where it will be relatively simple to make cuts.