When you have a budget set up I really lie to use a zero based budget. This is telling every single penny that you have where its going. This way you don’t have something there in your account that you think is spendable on that over priced overly caloric coffee that you just have to have. Only the next day you realize that the money should have been used on your cell phone bill. Having a zero budget and even separate accounts for bills, spending money and savings helps you to keep on track of everything.