I have become extremely careful with finances the last few years. As a matter of fact, for over a year I was completely engrossed with everything related to personal finance (books, articles, podcasts, money boards). I have backed off a bit but am grateful for all I have learned along the way. It seems as if budgeting is hard for some or it scares them enough that it is a totally taboo subject. I am no expert but I have found what works for me, especially now with erratic income (long term sub and tutoring part time).
The biggest issue I come across when reading blogs posts, articles, etc. is how to stay within ones spending limits. Cash seems to be the way for many. The big complaint in regards to going to cash is pumping gas (inconvenient). I solved that problem for myself. I opened a checking account at a separate bank (I use ING and really like them and they pay higher interest than most). I transfer a set amount each week to that account (in my case $150). This is my weekly budget for gas, groceries, and spending money. I feel no guilt if I spend it all but I know it is all I have. I leave my debit card from my regular credit union account at home. This has worked very well and is much like using cash but allows me the convenience of using a card at the pump. Because I am a frugal shopper (I especially love my CVS deals), I usually have money leftover. I am seriously considering lowering my spending budget another $20 (then again gas prices are rising:( ).
What budgeting technique works for you?