I am probably not really the person to be writing this post. But if I can do better that our government I will do my best. A budget is essential in every household. If you don't have one you will not pay your bills, you will not have money, and you will be in a world of trouble. No one taught me to budget. We learned by trail and error after we were married how to do it and we are still working on it. I highly recommend visiting Dave Ramsey's website or buying any one of his books to help you get started. I am currently waiting to hear back from our insurance company about how high our premiums are going to go so that I can start working on next year's budget now. There are many different ways that you can do this- I like the envelope system myself. Every week or payday you divide your money into envelopes with your budgeted amount divided in 2 or 4 depending on paydays. And you don't touch it until the bill is due. By dividing the bills up into smaller portions it's not a huge chunk of each check for this bill or the other. One thing to remember it that gas money has to last throughout the whole week or two weeks between checks. So really in this system there are no extras until all the bills are paid at the end of the month. It is a great system and one that will work wonders if you just stick to it. You would also be surprised how much extra money you have by no extra spending. What is your budgeting advice?