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json | {"items":["bc3a0c92eea7619a90f3a790031a90570b8f2f3a-80"],"days":"1","currency":"DEC","app":"splinterlands/0.7.139","n":"XsZL7RFNFX"} |
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json | {"to":"tuyen0220","cards":["C3-337-EZGLBLVKE8"],"app":"splinterlands/0.7.139","n":"4GFh42mlmU"} |
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json | {"to":"dongtrac361","cards":["C3-334-VOJZFKZGE8"],"app":"splinterlands/0.7.139","n":"QEmld1vzia"} |
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json | {"type":"quest","quest_id":"d4eeadc94af184458460fa8bcb4acea37d0654f6","app":"splinterlands/0.7.152","n":"MuKIWqcSVr"} |
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json | {"type":"quest","quest_id":"9ae919182b4123580eb964bddb2ebd05ae39a651","app":"splinterlands/0.7.152","n":"8Z0GncApkL"} |
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json | {"token":"SPS","qty":2.127,"to":"kanjjino","memo":"kanjjino","app":"splinterlands/0.7.139","n":"PpBJSLp9rX"} |
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json | {"type":"daily","app":"sl-mobile/0.7.139","sm_id":"cV1tJtyZsT"} |
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json | {"items":["3da78eb983d8133e351d689ab43da9b7f180c5f5-0"],"price":18.67,"currency":"DEC","market":"peakmonsters","app":"peakmonsters"} |
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json | {"to":"joehawesno191","qty":0.127,"token":"SPS","memo":"joehawesno191"} |
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json | "{"match_type":"Ranked", "app":"splinterlands/0.7.147","n":"P6L2O5"}" |
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json | {"match_type":"Ranked","app":"sl-mobile/0.7.139","sm_id":"ZQ89hYScls","proxy_acct":"apprentice_526358"} |
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json | {"type":"quest","quest_id":"9b60ff49d5aa58fe8c4fb056e1df372b999c5e64","app":"splinterlands/0.7.152","n":"2xI9ofAlsj"} |
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json | {"to":"huz196","cards":["C3-343-4VU5Y69BZ4"],"app":"splinterlands/0.7.139","n":"0WBYAZSbAD"} |
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json | {"type":"quest","quest_id":"da23248409a033a32da0a8e55df1b80fffc8e9db","app":"splinterlands/0.7.152","n":"JCCWdYtdWv"} |
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json | {"to":"landryjessica71","cards":["C3-331-22NHGWWR0G"],"app":"splinterlands/0.7.139","n":"Uzgca3kZlg"} |
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json | "{"summoner": "starter-16-ulYep", "monsters": ["starter-169-jsYxF", "starter-17-EHHgU", "C3-338-DUUQ0L20JK", "starter-172-MI9X1", "starter-194-He2UG"], "trx_id": "fca1ab61bafa2689a528ab3f0538a3dd84022005", "app": "steemmonsters/0.7.139", "secret": "E2PTboclY6", "team_hash": "c121f552436a2f22db83fcd6a8a455a1"}" |
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json | {"items":["e922ddae0270e450ed8ccf275bea826b8a2906f4-0"],"price":"18.660","market":"monstermarket","currency":"DEC","app":"monstermarket-io/1.5.12"} |
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json | {"to":"dsdaa","qty":4,"token":"DEC","type":"withdraw","memo":"dsdaa","app":"splinterlands/0.7.139","n":"cH7fSvCk5f"} |
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json | {"type":"quest","quest_id":"fa74c46ecdf548cbb9941ee244b23345174ac301","app":"splinterlands/0.7.152","n":"GqIEegiECK"} |
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json | {"to":"digital-coin","cards":["C3-227-4ZXVCD0QFK"],"app":"splinterlands/0.7.139","n":"Cnlg77w81t"} |
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parent_permlink | hive-167922 |
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author | efisher |
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permlink | the-advantages-and-disadvantages-of-the-50-30-20-budgeting-method |
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title | "The Advantages and Disadvantages of the 50-30-20 Budgeting Method" |
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body | "The 50-30-20 budgeting method has many advantages. This method is easy to understand, yet it allows for a limited view of your expenditures. It also makes it easy to distinguish between needs and wants. Although it is simple to follow, the 50/30/20 rule may not work for all people. It is especially difficult to use for those with high incomes. It is also important to keep in mind that this method may not be suitable for everyone.
The 50-30-20 budgeting method involves creating sub-categories for your expenses and income. This allows you to divide the rest of your money into groups. Each category should be assigned to its own group, so you can easily see where your money is going. Then, divide the remaining amount into five equal parts and add up the total. Once you've reached the amount of money you're spending on each category, you can divide the remaining balance between the categories.
![](https://www.thebalance.com/thmb/xif4K4aFcZt1QlF3hZr2NZIeVxU=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/the-50-30-20-rule-of-thumb-453922-final-5b61ec23c9e77c007be919e1-5ecfc51b09864e289b0ee3fa0d52422f.png)
<sub>[source](https://www.thebalance.com/thmb/xif4K4aFcZt1QlF3hZr2NZIeVxU=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/the-50-30-20-rule-of-thumb-453922-final-5b61ec23c9e77c007be919e1-5ecfc51b09864e289b0ee3fa0d52422f.png)</sub>
This budgeting method is flexible, which makes it easy to follow. If you want to achieve financial goals, you need to have at least fifty percent of your take home pay, but you should not spend more than twenty percent of it on unnecessary items. However, if you're still in the process of learning how to create a budget, it's important to remember that this method has many advantages. Despite the benefits, this method may not be suitable for you if you're not dedicated.
The method is a good option for people with low income. The method involves dividing your income into three major categories: needs and wants. It helps you save money quickly and efficiently. For example, if you earn $2,500 a month, you'll have enough money to buy yourself a nice luxury. Then, you'll have the extra amount for debt payments. You can also increase the percentage you spend on other expenses, such as vacations.
If you're planning to live on the 50-30-20 budget, you should also calculate your take-home pay. Your take-home pay is the portion of your income that you're left with after paying for all your bills. If you're paying more than this, it's a good idea to put your savings aside and focus on the minimum debt payments. Besides, you'll have more flexibility if you don't have to worry about your emergency fund.
Using the 50/30/20 budgeting method is not as difficult as it sounds. First of all, you need to determine your net income. Then, you need to calculate your total expenses. Then, you need to divide your income by 50% to set a goal for yourself. Then, you should write down your needs and wants. You can make adjustments to your budget based on the information you've gathered.
The budgeting method is flexible enough to allow you to meet your goals. Moreover, it can help you save for a vacation or retirement. If you have high income, you should increase your savings rate to achieve your goals. But it's not the best solution for those who want to save for the long term. The 50/30-20 method is a good starting point for anyone. This method doesn't allow you to spend more than 50% of your monthly income on non-essentials.
Despite its simplicity, the 50-30-20 budgeting method can help you keep track of your expenses. It is important to note that this method is not for everyone, so it's not ideal for those who have more than one income. If you want to save money for a long time, you should set up an emergency fund to cover your expenses. A small emergency fund is essential for preventing unforeseen costs. If you need money for an emergency, set aside a $1,000 emergency fund. Keeping an emergency fund is the best way to achieve these goals.
It is easy to commit to this budgeting method. You should set aside about 50% of your monthly take-home pay for needs and 20% for wants. It is essential to avoid making a plan that is too rigid. You should only spend your money on expenses you need. And if you can't stick to that, you'll be on the right track. If you're spending more than you earn, you should adjust your 50-30-20 budget.
Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@efisher/the-advantages-and-disadvantages-of-the-50-30-20-budgeting-method)" |
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permlink | hermosos-y-delicados-santa-claus-para-decorar-en-esta-navidad-beautiful-and-delicate-santa-claus-to-decorate-this-christmas |
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