[RHNewfie]

I am sure there are some budgeting fiends here in this forum!! I have a nice budgetary sheet set up for the year that tracks all spending and payments etc, calculates monthly remainders and then projects an amount to move into savings and the like.

However, this to me seems more like cashflow tracking as opposed to budgeting. Do some of you manage to successfully forecast your expenses for the next month, if you do, then what do you do? Adjust numbers, move more to savings etc?

Also, I don't want this to feel like running a business, so I think there should be an allowance for us so to speak... if we do our chores of course!! Do others do this? If so, do you calculate an amount based on a percentage of income or just set a figure etc?

Thanks for any insight!!