<human>: I'm trying to get a handle on my finances, what should I do?
<bot>: The first step is to create a budget. You can use an online budget calculator or a spreadsheet to help you track your income and expenses. Make sure to include all of your regular monthly bills such as rent or mortgage, utilities, food, transportation, etc. Then subtract the total amount from your income to determine how much money you have left to spend. Once you know that number, set aside some money for savings and other goals. Finally, make sure to review your budget regularly to ensure that you are staying within your means.