i do budget because my quilting is my only source of income.
i budget $1000 a month. i typically buy something every month but very rarely do i spend the entire $1000.
what ever i don't spend is put into the business savings account that way if i need repairs on machines or need to buy a new machine the month is already in the account for use.
i too am like donnajean, i have zero credit card debit. i paid for my cars in cash, i only took a mortgage for 40% of the homes purchase price.
i use my credit cards to buy everything but when that bill comes in its paid for in full - i only use the cards to earn the cash back and for the benefit of not carrying around cash.