<human>:  How to create a budget and stick to it?
<bot>: Creating and sticking to a budget is an important step towards financial success. To create a budget, start by tracking all your income and expenses and categorising them. Then, set clear financial goals for yourself and set a budget for each category of your income and expenses. Ensure that your expenses stay below your income and adjust your budget according to your financial goals. To stick to your budget, set reminders for yourself, track your expenses, and reward yourself for staying within the budget. It is also important to keep your budget up-to-date and make changes accordingly. Lastly, talk to a financial advisor if you need further guidance on how to create and stick to a budget.