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And, with all due respect, I don't think you need get even that complex. Do you really need a spreadsheet to tell you what your discretionary spending items are?
If money's tight, then the tiny part of your expenses that are discretionary are movies & entertainment, eating out, your Disneyland AP, and pleasure travel gasoline. These are the only things you can cut back on.
If you get a roommate, you'll save a lot of money. If you can find a way to do without a car altogether, you'll save a ton of money.
Outside of changing those fixed and expensive expenses, trimming your discretionaries is your only option. Keep in mind, that sacrificing all pleasures is NOT a good idea, no matter how much in hock it keeps you.
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