<human>:  How do I set up a realistic budget?
<bot>: Creating a realistic budget requires taking a few steps. First, you need to determine your income either by calculating your average monthly salary or estimating how much you bring in from other sources. Next, calculate your fixed costs like rent, utilities and loan payments. Finally, allocate the rest of your budget to meet your other needs such as food, entertainment, transportation, and savings. Be sure to build in a little wiggle room for unexpected costs.