If you are like me, and have had numerous run ins with creating and sticking to a budget I have found an online program that interfaces with your online banking and assigns your $$$ down to the last penny.
The idea behind it is you have your budgeted coasts for everything and it divvies up your paycheck(not in reality) and puts your budgeted money into "envelopes" like our grandparents did with cash back in the day... so you can see where you're $$ is going. Good luck to those who need it.