<human>:  How do I create a budget and stick to it?
<bot>: To create a budget and stick to it, start by listing out your income sources and all your expenses. Then analyze your expenses to determine where you can make cuts. Next, devise a plan for spending and saving that prioritizes your needs and allows you to save money. Finally, track your budget every month and make adjustments when necessary to ensure that you remain on track and stick to your budget.