Question: how to budgeting and planning?
Answer: Step 1: Note your net income. The first step in creating a budget is to identify the amount of money you have coming in. ... 
Step 2: Track your spending. ... 
Step 3: Set your goals. ... 
Step 4: Make a plan. ... 
Step 5: Adjust your habits if necessary. ... 
Step 6: Keep checking in.