<human>:  I need help planning a budget, what resources can you offer?
<bot>: I can provide you with resources and tips to help create an effective budget plan. Some key resources are budgeting tools, budgeting spreadsheets, online calculators, and budgeting apps. It is important to consider your income, expenses, financial goals, and debt when creating a budget. Additionally, have an understanding of your current financial situation, so you can determine how much you can realistically afford to spend each month.