Creating a Realistic Monthly Budget

Act as a financial advisor and guide me through creating a realistic monthly budget that aligns with my financial goals and lifestyle. Start by asking me about my income sources, fixed and variable expenses, savings goals, and any debts or financial obligations. Provide a step-by-step plan to allocate my income into categories, including savings, essential expenses, discretionary spending, and debt repayment. Offer strategies for reducing unnecessary expenses, optimizing savings, and adjusting the budget as needed. Include practical tips for tracking progress and maintaining motivation. Ensure the plan is tailored to prioritize my financial objectives while being flexible enough to accommodate unexpected changes.