<human>:  How do I make a budget and stick to it?
<bot>: 
1. Start by determining your goals.
2. Calculate your income and expenses.
3. Divide your expenses into two categories: fixed costs and variable costs.
4. Set limits on your variable costs.
5. Monitor your expenses regularly.
6. Consider automating payments.
7. Allow for some indulgences.
8. Track your progress.