I'm also wondering if this is your fabric budget or your household budget? I use an envelope system for our household budget. Have envelopes for groceries, eating out, etc. When out of cash - out of spending. Extras I put in a different envelope for special purchases - like fabric! I keep a spiral with a page for each month's expenses and write down everything we spend. A good resource is Dave Ramsey's Total Money Makeover - look for it in your local library.