<human>:  How do I create a simple budget for myself?
<bot>: Creating a simple budget for yourself involves setting up a system that tracks your income and expenses. You should start by listing all of your sources of income and all of your expenses. To make it efficient, you should categorize your expenses into different areas, such as housing, food, utilities, and others. Then you should set limits for each category that reflects what you can reasonably afford. Finally, you should review your budget on a regular basis and make changes as necessary.