Even if you don't want the software the stuff on the YNAB site is really good - quite a different way of thinking to what I have seen on other budget sites and it is really targeted at people who really need to save / get out of debt rather than the whole financial planning side of budgets. Astrid uses it too I think there is a thread somewhere on here. The forum is a bit American but has alot of money saving ideas.

I save money on petrol by putting everything on my credit card, then using the points to get a petrol voucher - probably save about $300 a year that way - for us we are using one every other fill up - but much of the money on the CC is from Childcare - but anything else I can like health insurance I put on it just to get the points - it is paid off every month.

Check you are paying the minimum on your mortgage - I had forgotten that we had at one point told the bank not to decrease our payments if the interest rate dropped so they stopped doing it, I then realized we were paying over the minimum approx $200 a month. As we have free redraw I decided not to change it but do count that 200 in our budget.