This is how I do my budget, based on what I learned from The Empress of All Jackets, Suze Orman.
After an item has cleared my bank account, I shade it in red (because I expect there to be a lot of it, and I like red). Where you see a yellow line, it means that bill no longer exists for me.
Underneath the totals are smaller items that I note at the beginning of the year, such as birthdays that I plan to stick to a budget for but seldom do.
I don’t include incidentals such as gasoline and groceries and shoes because if or when I run out of money, I stop buying things, no matter how miserable it makes me.
I look at the two-week period before payday, each payday, so I can plan for the short term, and at the whole thing at the same time, so I can plan for the long term. I do not include savings here because that money is removed before I can ever get my greasy little mitts on it.
So, there it is. That’s how I budget. It’s pretty rudimentary, but I don’t need anything more complicated for my purposes.
Or, at least, that’s most of the year. It’s probably much more exciting than you ever dreamed possible.