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...Personal monthly budget net income r projected balance minus expenses extra total actual difference housing cost entertainment bond or rent videodvd phone cds electricity movies gas concerts water and rates sporting events television live theater waste removal other maintenance repairs supplies loans transportation vehicle payment student bustaxi fare credit card insurance licensing fuel taxes tax state home local health life savings investments retirement account food investment groceries dining out gifts donations charity pets medical grooming toys legal attorney child payments on lien judgment care hairnails clothing dry cleaning club organization dues fees...