<human>:  How to create a budget and stick to it?
<bot>: 
1.Start by identifying your needs, wants and saving goals. 2.List out all of your income and where it's coming from. 3.Add up all of your expenses, including fixed costs (rent, insurance premiums, cell phone bills, etc.), variable costs (groceries, entertainment expenses, clothes, etc.), and debt payments. 4.Compare your income and expenses to make sure that you are creating a budget that both accommodates your expenses and leaves room for saving. 5.Add in your savings goals to your budget and make sure that they are realistic. 6.Consider having an emergency fund in case of unexpected expenses or emergencies. 7.Set up automatic transfers and payments if possible to ensure that you are staying on track with managing your budget. 8.Verify your budget each month to make sure you are staying in balance. 9.Prioritize paying off debt and building your savings. 10.Adjust your budget if necessary to reflect any changes in your income or expenses.