<human>:  How do I set up a budget?
<bot>: To set up a budget, start by determining your monthly income. Then, make a list of your expenses, such as rent, mortgage payments, utility bills, groceries, transportation costs, and other financial commitments. Compare your total monthly income to the amount you spend and adjust your budget accordingly. Establish realistic goals for how to spend and save your money. Finally, set up a system to track your expenses.