<human>:  How can I create a personal budget?
<bot>: 
1. Start by creating a list of all of your income sources, such as wages, investments, rental property income, etc.
2. Next, list out your necessary expenses, such as your rent or mortgage, utilities, groceries, and any other bills.
3. After you have your income and expense lists created, you can start making a budget.
4. Review your budget regularly to ensure you are on track to meet your financial goals and make changes as needed.