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learn-pr/philanthropies/intro-to-budgeting-for-students/includes/2-what-is-budgeting.md

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Plus, budgeting isn't just about cutting back—it's about making sure you have enough for the things that really matter to you, whether that's hanging out with friends, buying something special, or just having some extra cash saved up for later.
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`embed What is Budgeting? graphic`
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:::image type="content" source="../media/what-is-budgeting.png" alt-text="Screenshot of what budgeting means." lightbox="../media/what-is-budgeting.png":::

learn-pr/philanthropies/intro-to-budgeting-for-students/includes/3-create-list-of-your-needs.md

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1. Prompt Copilot to categorize you needs and wants list into two categories.
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1. Compare the Copilot result with your original list.
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`embed needs vs. wants graphic`
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:::image type="content" source="../media/needs-vs-wants.png" alt-text="Screenshot of a comparison between needs and wants." lightbox="../media/needs-vs-wants.png":::
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learn-pr/philanthropies/intro-to-budgeting-for-students/includes/5-why-budgeting-is-helpful.md

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Plus, knowing that you're in control of your finances and working towards your goals can give you a sense of confidence and security. Budgeting is not just about limiting what you spend; it's about making your money work for you and helping you feel good about your choices.
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`embed Why Budgeting is Important graphic`
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:::image type="content" source="../media/why-budgeting-is-important.png" alt-text="Screenshot of an explanation of why budgeting is important." lightbox="../media/why-budgeting-is-important.png":::

learn-pr/philanthropies/intro-to-budgeting-for-students/includes/7-create-your-personal-budget-plan.md

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1. Adjust your budget if needed:
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- If you want to save faster, ask Copilot: "Can you suggest a way to save more each week?"
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- If you have other expenses, ask: "How can I balance my savings with other spending needs?"
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5. Copy the budget Copilot provided into a notebook, document, or budgeting app.
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1. Copy the budget Copilot provided into a notebook, document, or budgeting app.
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- **Explore Budgeting Tools:**
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1. Open Microsoft Copilot on your device.
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