Quick Tip
As you review your budget, look back at the prior year to prepare for the future.
While you may plan to spend less in the coming year, be realistic when you map out your costs. Review which items you can truly live without, and what variable costs you know you’ll end up splurging on when you’re having an off day.
![Man reviewing expenses at home](https://media-s3-us-east-1.ceros.com/td-bank/images/2024/01/02/4da0a484b39c6c10ca1c0ef4287b1c06/shutterstock-offset-2311894227.jpg)