Budgets are like diets… they sound great but very few people follow them. What everyone needs is an automatic savings plan. Payroll driven savings are the best! 401(k)s and simple IRAs invest money pre-tax. Once enrolled most people adjust their spending habits around their net paycheck. The next best choice is an automatic savings plan from a checking or savings account. Enroll in a monthly investment plan with a low cost equity mutual funds.
As Ron Popeil says, “Set it and forget it!“ Investing as little as a dollar a day is a life changing event.