It is a good idea to break it all down on a spreadsheet. But if you are not used to using them, downloading a pre-existing and pre-coded spreadsheet will help.

I am now trying to live by one of these spreadsheets as previously I was not saving any money at all, despite having the income and the ability to do so. But now I also have a reason to save and give in to the temptations of a new ipod/Digicam or whatever.

Also, we can not live like robots. I calculate at least £50 a month for me to fritter away, for those times when friends call and ask if I am doing anything that evening. So at least I am budgeting for everything...