<human>:  How can I create a budget and stick to it?
<bot>: To create a budget and stick to it, start by tracking your expenses for a few weeks to get an idea of where and how your money is being spent. Make a list of all the fixed costs, such as rent or mortgage, insurance, and utilities. Then list any variable costs, such as groceries, gas, entertainment and dining out. 2 Next, create a budget that allows you to reach your financial goals while also covering essentials like food and rent. Prioritize your spending by splitting each of your expenses into three categories: needs, wants, and savings. Spend money first on your needs; then if there is money left, for wants; and finally for savings. 3 Finally, use software or an app to help you manage your budget and track your spending. If you overspend on certain items, adjust your budget to account for it. With a bit of discipline and tracking, you’ll be able to create a budget and stick to it.