Human: How do I use an online budgeting tool? Assistant: 

1. First, select an online budgeting tool that fits your needs.
2. Next, create an account with the online budgeting tool.
3. After that, you should connect the online budgeting tool to your bank accounts.
4. Once you are connected, you can set a budget for each category, track your spending, and set goals to save money.
5. Finally, use the reporting features to check your progress and ensure that you are staying on track with your budget.