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and fail.To settle the issue,forget about that suggestion.You should decide how much you want to save initially.For instance, you can just start with one month's worth of expenses. 38 Budgeting is also important if you want to be financially healthy.Note what expenses are non-negotiable,such as your living expenses and food. 39 It's not bad to spoil yourself sometimes,as long as the price is reasonable relative to your cur- rent financial situation. 40 For instance,those who wish to pursue higher edu- cation will need to budget and save up for their school expenses. Even if they go to an affordable educational institution,other school-related expenses can still be quite a lot.So,knowing how to budget will help them survive school without falling much into