I'm on a very strict budget. I even have a monthly budget spreadsheet that I keep. You have a great concept! This wouldn't work for me because I know exactly what I have in my checking and all the monthly bills I pay. I have it down to a science.

This is what I do each month. Once I get paid each month, I transfer what was left over in my checking from the previous month to my savings. I do this for two reasons, (1) to save money, and (2) if something comes up and I need extra $$$, it will be there in my savings to take out. I've been doing this for the past two years and it has been working for me. If I don't have money for it, I don't buy it. This is why I pay my monthly bills at the beginning of the month. I don't even use my credit cards as much as I did years ago. I have gotten pretty frugal since going on disability.