<prompt> Human: I just got my first apartment and Im not quite sure how to budget?My monthly bills are the followingRent 1095Car payment 340 ends in JanuaryCable 123Credit card payment 45 Groceries not sure what they will be since my mom helps me out with that Netflix 9Spotify 11Electric 80Toiletries - 120Thank you!  <response>: You just created it by listing out what your expenses are. Be sure to budget for fun and clothes also once in a while. The trick to a budget is only spending what you say youre going to spend. Now subtract that from what you bring in every month and start building that emergency fund. 