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Merge pull request #50062 from Albertyang0/NEW-intro-to-budgeting-for-students
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learn-pr/philanthropies/intro-to-budgeting-for-students/includes/1-introduction.md

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`embed Introduction to Budgeting for Students video`
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> [!VIDEO https://learn-video.azurefd.net/vod/player?id=51e75820-38bb-4c1d-9fec-5ad2c670e42e]
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Have you ever wanted to buy something but didn't have enough money? What if you could make a plan that helps you stretch your money further? That's what budgeting is all about! Today, we learn some easy ways to take control of your money, so you can learn how to cover your needs, avoid those "uh-oh" moments when you're out of cash, and even save up for something special. Let's find out how you can start making smart choices with your money today!
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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/6-responsible-spending-financial-planning.md

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`embed video on financial responsibility`
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> [!VIDEO https://learn-video.azurefd.net/vod/player?id=7e4bfc63-55f2-424b-8086-a8ba26c72eb9]
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Responsible spending is all about making smart choices with your money so you can cover your needs, enjoy your wants, and still have enough left over to save for the future. It means thinking carefully before you buy something, asking yourself if it's really necessary or if it's just an impulse.
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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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