my advice for budgeting is to include EVERYTHING, we budget for presents, clothes, car services etc so that when things arise we have most of the money to pay our big bills. Another thing DH and I is allow ourselves an allowance each per fortnight which we use for anything we like for ourselves- lunches for work, new books/ cd's, i use it for hair and beauty stuff, I pay my Personal training out of it too, this way we both spend whatever we like without feeling like we have to justify it to each other.