<human>:  What are the steps to creating a budget?
<bot>: 
1. Set financial goals: Start by deciding what you want to accomplish with your budget.
2. Track your expenses: To get an accurate look at your spending habits, track all your expenses for at least one month.
3. Create your budget: Based on the information you've collected, set limits on how much you'll spend in each spending category each month.
4. Adjust and monitor your budget: As the month progresses, track your spending and make adjustments as needed.