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Realistic - consider income + expenditure. - Clear - needs to be clear about how much it will cost. They need to have an accurate idea of how long it will take to save up for it or how much it might cost to finance it with credit Timely - timescales need to be applied to a budget. The longer the timescale, the more planning needs to be done and the earlier the better; as time passes, there's less scope for 5.2 - FEATURES OF EFFECTIVE ...
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