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.