Budgets are not for me, I can say that much.
They are a way to manage money. How can someone manage what they don't have? I might as well learn about investing my money too. How about retirement funds? What a waste of my time.
If all of my money is going to bills, with less than nothing left over, what am I budgeting exactly? Some people try to make me feel guilty about it. The reason why you're so poor is because you are wasting your money and are not spending it wisely.
Ex...cuse me.