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July 25th, 2022 
urn in your Spreadsheet showing all of your INCOME and all EXPENSES for a 1-month period.
Be sure to total the income and expenses. The difference between the 2 is your surplus or deficit.
On your form, calculate your Savings rate, Emergency Fund Ratio, Current Ratio, Housing Ratio 1, Housing Ratio 2,
And include a paragraph or 2 summarizing what you learned, what changes you might want to make, or what surprised you after tracking your income/expenses for a month.
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