Many experts suggest dividing money into which three categories: short-term savings, long-term savings, and small-item spending long-term savings, entertainment, and transportation small-item spending, food, and entertainment short-term savings, monthly bills, and food

Many experts suggest dividing money into SHORT TERM SAVINGS, LONG TERM SAVING AND SMALL ITEM SPENDING. 
Budgeting one's money is very essential, it is an instrument one can use to achieve one's financial goals. A short term savings refers to saving money for a short time in order to accomplish a particular aim, for instance, one can save money in order to travel to another state or country on excursion. Long time saving is done for a longer period. For instance, saving for one's retirement. Small item spending cover small and unforeseen expenses that may arise.

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