<human>:  How do I create a budget and stick to it?
<bot>: 
1. Start by determining how much money you have coming in and how much you have going out each month.
2. Set your savings goals and make sure you're putting money away for those first.
3. Make sure you have an emergency fund that is easily accessible in case of unexpected expenses.
4. Keep track of your spending.
5. Be flexible.
6. Finally, if you're having trouble staying within your budget, consider making lifestyle changes like cutting back on expenses, creating specific goals, or automating your savings.