Have never been able to make a budget work, however, we don't use credit, so when the cash is gone, the spending stops! Have often bought just a few fat quarters at a quilt shop of fabric store, and they do mount up. But now I have several projects ahead, so haven't bought any for a while. When I did the marathon of two 90 X 106 flannel quilts for Christmas presents last year, I bought way too much flannel, so I still have enough left to make one for my brother this year.