I need a detailed explanation of how to create a budget for a small business. Your response should contain at least 3 placeholders represented by square brackets, such as [business name]. Highlight at least 2 sections in your answer with markdown, i.e. *highlighted section*. In your response, the word "budget" should appear at least 5 times. At the end of your response, please explicitly add a postscript starting with P.S.
user