Thomas and I have never had a budget. Once, when we were trying to decide how much to spend on a house, we listed all our expenses (very roughly) to determine how much would be left over for a house payment slash free spending, but we never used it to actually control how much we spent on anything other than the house. There are two reasons we’ve never felt the need for a budget: we’re both cheapskates and, probably because of that, we earn more than we spend. Over time, our savings account has grown of its own accord, for no reason other than we just don’t spend it.
Still, I’m SURE we could be saving more if we actually came up with a budget. I know we spend more than we need to on groceries – especially if I do the grocery shopping, which I’m not allowed to do very often, because I buy the entire store. We need to cancel our cable (haven’t gotten around to it) and I honestly don’t want to know what we spend on gas (although there’s really no way to reduce that, because we don’t do much, if any, extraneous driving).
Do you have a budget? Is it strict?