<prompt> Human: Hi There,Im trying to work out my budgeting and a plan to clear around 5000 of debt I have really struggled with and I was wondering what small tipschanges you have that have helped you improve your financebudgeting?any advice would be greatly appreciated.  <response>: It changed when I started treating saving like a monthly expense. Automatic withdrawals into separate accounts has helped me save enough that I could go for a while without income. 