<human>:  How can I make a budget?
<bot>: To make a budget, start by listing all of your regular monthly expenses – rent, utilities, groceries, transportation, etc. Then add up all your estimated expenses and subtract that number from your income. Adjust the budget as needed to make sure you have enough money each month to cover your expenses and any other goals you may have. For more tips, check out money management websites like DaveRamsey.com.