<human>:  How do I create a budget to stay on track financially?
<bot>: Start by making a list of your income and fixed expenses such as housing, debt payments, transportation, and utilities. Next, determine how much money is left over and set aside a portion for savings. From what's leftover, consider your budget categories and allocate amounts for things like groceries, entertainment, and clothing. Finally, figure out ways to reduce spending and stick to the limits you set.