The use of budgeting worksheets will make the process of creating and maintaining a budget so much easier. Many people don't live within a budget simply because they find the process of creating a budget so overwhelming. While it can be difficult to account for every dime you spend across several categories, the rewards of doing so can have a huge, positive impact on your future.
If you don't allow for a certain amount of mad money for you and your spouse soon resentment will start to set in. Each party will get very frustrated about having to stick to such a strict budget and not having any money for fun. Likewise, even if some money is allocated in the budget for fun, one of the partners may get tired of not being able to spend some money how he or she would like. This special money even allows you to save some money for a larger purchase you may want to make. _ Even if money is extremely tight in your monthly budget, it is highly recommend to allow each spouse a small amount of mad money to help make the budget work. Everyone is more willing to save and track their spending if they are allowed a certain amount of mad money to spend how they wish.