Our budget is not terribly exciting.
It is mostly fixed expenses. Rent is sent to the landlord at the first of the month. Car and tenant insurance comes out mid-month. And at the end of the month, I reluctantly send a big chunk of change off to student loans.
Non-negotiable, predictable items make up roughly 95 per cent of our budget. The remaining five per cent are a little more challenging to plan for.
At least, they were, until we started using sinking funds.