After tracking my budget from 2003 to 2010, i think i sort of figure out that envelope budgeting is the best way to control and plan my spending.
InvestmentMoats.com have a really detail explanation of what is envelope budgeting and a lifecycle of how you can go about implementing it with Quicken.
I do recommend using Quicken to track your budget as it has many value added features over Excel.
[How to budget with envelope budgeting to save money easily]
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