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foreign [Music] Hello everybody welcome back to my YouTube channel welcome back to my YouTube channel or youre new foreign [Music] welcome if you are a returning subscriber a veteran in this channel welcome back for you in another exciting episode of risk money and insurance and so guys here we are today and I just thought you know after the first two videos Ive released in 2023 this the third video of course has to be about you know creating budgets right it is the beginning of the year and there are two types of budgets that I want us to create today so if you havent subscribed please hit the Subscribe button below dont forget to hit the notification Bell so that you get notified whenever I post a new video which will be on a Thursday at 7 00 PM so without further on zua lets just get into todays video so I bulk of the video will be me just like working from my Excel spreadsheet to show you like what your budget should look like and I will post you know the you know I will pos