<human>:  How to make a budget plan?
<bot>: The first step to making a budget plan is to figure out how much income you have each month. Then make a list of your fixed monthly expenses, including rent or mortgage payments, car payments, insurance payments, and any other regular bills. Subtract these expenses from your monthly income to get your disposable income. Finally, create a plan for how you will use your disposable income by setting goals and limits for yourself. Make sure to save a portion of your disposable income in an emergency fund.