as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
provide three steps for creating a budget.
user
1. gather financial information such as income, expenses, and debts.
2. set financial goals and decide how to divide your income (e.g. savings, debt repayment, expenses).
3. create and track your budget on a regular basis (e.g. monthly).
assistant