Tell me your budget secrets.

you arent hopeless so no worries. I thought I was hopeless too once but lo and behold I stuck to a budget. The key is in lump sums. Examine your finances and decide how much you can afford for your entertainment and grocery expenses and then take out money in lump sums and live on it for as long as you can leaving the rest in your bank to cover rent and other practical bills. By doing this you can spend and save at the same time and avoid those annoying bank fees.