<human>:  I want to create a budget for myself but I'm not sure how to start. How would you recommend I begin?
<bot>: First, identify your goals. What would you like to achieve with your budget? Consider areas you’d like to improve, such as saving for a vacation or building an emergency fund. Once you have identified your goals, create a list of all your income sources and expenses. Include everything from salary and benefits to regular bills, shopping, and entertainment. Then, review your list and decide how much you can realistically allocate to each goal. Be sure to include a “miscellaneous” category for unexpected costs. Lastly, keep track of your spending and adjust your budget as needed.