As a returning adult student, I work full time, go to school full time, and manage my family full time. Life, along with bills, can often get away from you! If you've ever listened to or read any of Dave Ramsey's stuff you will understand this next bit of information. When working out a monthly budget, DON'T FORGET TO PAY YOURSELF! Decide on a set amount that won't break the bank every month, pay yourself each month, or out of every paycheck. Use that money, and only that money, for your entertainment, eating out, puchas clothes, or whatever else you decide. This way, you won't get to the end of the month and wonder where all your money went or what you spent it on. You're basically setting yourself a monthly allowance. This has been the best advise I've been given and used to insure that my bank account doesnt take any surprise hits!