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If you're going to follow a budget, it's essential that you set aside money for savings and investments. This way, you'll have cash on hand in case of an emergency or sudden opportunity (and the more prepared you are with your finances, the fewer emergencies there will be). In addition to saving up for those unexpected expenses though, it's also important that you put some money away for fun! You’ll need some funds left over each month so that when payday rolls around, there's still something left for groceries and nights out with friends.