1.4.3 Surplus or deficit?

Is the difference between your total monthly income and total monthly expenses a positive or a negative figure? If it is positive, you have a surplus. If it is negative, you have a deficit.


If you have a surplus, congratulations! Here are some ideas for what you can do with the extra money:

If you have a deficit, you need to make changes to balance your budget and get back to the plus side. You can:

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