Your budget is full of companies that reach their grubby little hands into your bank account each month and pull out money. Review and scrutinize these monthly service providers to determine which ones you want, and which ones you should fire.
The debate about whether a budget is a necessity or a waste of time often centers on a fundamentally flawed definition of budgeting. The exercise of budgeting shouldn’t be designed to limit you, but to give you the freedom to spend money in the manner you wish to spend it.