?? ???? ??? ????? ??? ???? ???? ????? ??? ????? ????? ?????? ? ????? ??? ????????? ???? ?????? ?? ????????? ?????? ??????? ?????? ???????? ?????????????? ???? ????  ?????? ???????? ???? ??????????? ????????? ???? ???? ????? ??? ????? ????? ??.?? ?????Create a spending plan by way of specific expense categorization and make cost savings goals both