Budget Budge-it Budget

[innerSpaceman]

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.