A budget is a plan for spending and saving money. It can help you track your income and expenses, and make informed financial decisions. There are many different ways to create a budget, but the following steps can help you get started. 1. Calculate your income and expenses. Start by logging into your banking application to review your spending trends. Most financial institutions offer this service as a courtesy. For instance, Black Hills Federal Credit Union has a "money management" app that allows you to view trends and set limits for spending in various categories. Once you know how much...