Read and practice the conversation with your friend.

Ali : What are you doing?

Bella : I'm trying to figure out my budget.
Ali : What do you need a budget for?
Bella : I need to put a limit on my spending.
Ali : What's your spending limit?
Bella : I'm only allowed to spend RM100 each month.
Ali : That's not much.
Bella : Because, I need to save the rest of my money.
Ali : What are you saving for?
Bella : I have bills to pay for too.
Ali : It's good that you are being smart with your money.
Bella : It's about time that I started being smart

Read and practice the conversation with your friend.

Ali : What are you doing?
Bella : I'm trying to figure out my budget.
Ali : What do you need a budget for?
Bella : I need to put a limit on my spending.
Ali : What's your spending limit?
Bella : I'm only allowed to spend RM100 each month.
Ali : That's not much.
Bella : Because, I need to save the rest of my money.
Ali : What are you saving for?
Bella : I have bills to pay for too.
Ali : It's good that you are being smart with your money.
Bella : It's about time that I started being smart