A: What are you doing?
B: I'm trying to figure out my budget.
A: What do you need a budget for?
B: I need to put a limit on my spending.
A: What's your spending limit?
B: I'm only allowed to spend $300 each month.
A: That's not much.
B: Because, I need to save the rest of my money.
A: What are you saving for?
B: I have bills to pay for too.
A: It's good that you are being smart with your money.
B: It’s about time that I started being smart.
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