<human>:  How can I create a budget I can stick to?
<bot>: Creating a budget can be a great way to keep track of your finances. Start by making a list of all your income sources and then estimate your monthly expenses. Consider which expenses are essential, like rent and utilities, and which are discretionary like eating out or going to movies. Once you’ve estimated all your expenses, subtract them from your total income and divide it into categories that meet your lifestyle and financial goals, such as savings, spending, and debt repayment. Finally, review your budget regularly and adjust as needed based on any changes in your income and expenses.