I have an Excel workbook with three worksheets. One worksheet calculates my paydays out over the next few years, and using Excel formulas a table of paydays per month is calculated. I get paid every two weeks, so some months are 3 pay checks and the rest are 2. If you get paid a fixed amount per month it's easier.

The next sheet has tables for annual, monthly, and weekly expenses. The annual table has a column for month of the year. If I have a quarterly payment, I add it to the annual table four times, each with the correct month.

The final worksheet is a basic revenue less expenses table, one for each calendar year. It lists my income per month for each month, and then lists my monthly expenses, my annual expenses that hit that month, and weekly expenses calculated to reflect the partial weeks. All using formulas do it is easy to extend out to future years.

The worksheet also calculated how much I have left over, and what my savings target is (80% of unbudgeted funds). It's important for the actual costs of each month to be accurate, because averages hide real world things, like in November I have a large amount of renewals including my annual car insurance payment. I will always spend more than I make in November, and knowing that means I'm not panicking with unexpected expenses.

What I've found is that there is an art to budgeting. For example, I budget $100/month for discretionary purchases, plus $20/week to take my kids out for cocoa. You want to be specific enough in the budget that you have fairly few purchases not directly accounted for, with a little bit of latitude that it doesn't become a grind to track purchases.

Over the course of the month any purchase that exceeds the budgeted amount or that doesn't fit a budget category gets tracked on a separate sheet so I can see if I need to rebudget or if there was just a one time thing. Generally speaking, if it is too much work to track your individual purchases, you might be making too many small or impulse purchases that add up.

I also use Excel for my shopping lists to stay focused when I go to the store, and the mobile app easily lets me strike through items as I get them.