<human>:  I'm not sure how to build a budget. By what criteria should I judge where I should be spending and saving my money?
<bot>: There are some key criteria to consider when building a budget. First, determine your income and expenses to get a realistic picture of your financial situation. Then, prioritize your expenses by importance, such as essential living costs, savings, and debt repayment. You should also factor in items like emergency expenses and goals to set up for a successful financial future. Finally, look for ways to reduce spending, such as activities or subscriptions that you no longer need.