How do YOU budget?

[KittyK]

I do the first one. I even have a budget book I didn't include the electricity, rates or water though and I have decided to do that from now using my last bills as a guide. I find it easier knowing that we won't ever be out of pocket a huge chunk of money because i will always have money there for the bills that come in.

[~me~]

My DH has an excel spreadsheet that I have to put in our bills and expenses including 'play money' or what we call 'rations'. At the end of the year he tallies up the total cost and fortnightly expenditure and we put it into a bills bank account.
Works great.