<human>:  How do I plan a budget?
<bot>: The best way to plan a budget is to list all of your income and expenses for the month and then make adjustments where needed to fit your financial goals. Start by making a list of all of your fixed monthly expenses, such as rent, utilities, and debt repayment. Then, estimate your variable expenses and add those to the list. Finally, subtract total expenses from total income to determine how much money you have left to save or use for other purchases. It is also important to review your budget every month to identify cuts or adjustments that can be made.