Just a minor addition, if you are particularly bad with impulse spending, follow this approach but use separate accounts to help manage the budget - i.e. on payday put the amount of fixed expenses into an account and don’t touch it for anything other than these expenses (setting up direct debits for your expenses can make this run on auto pilot). Keep separate accounts for your variable expenses, your “fun money” and of course our savings as well (and only use your savings for a planned goal or emergency). It sounds overkill but it can really help you control where your funds go!