I like simple budgets. They show your budget over a year. You enter in you normal monthly stuff as well as the annual things like car rego. You can also include budgeting for replacing big things like a new fridge every 15 years or something.
Then it works out how much you need per pay period. That's best for me because i used to say i have X per month, then run out some months when an unexpected expense came in. Even if i was saving. But i'm someone who needs to budget for everything, right down to birthday and xmas presents, otherwise i spend it on rubbish and wonder where the money went.
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