I'm still in college, so I don't have too many bills, however, I do live on my own and need to budget. Instead of itemizing, I've just been doing a percentage budget. Each paycheck I split up as follows: 10% - Save (for a vacation) 13% - Tithe/Charity 52% - Bills (CC's, loan payments) 25% - Food/Misc. Has anyone else done this? What I did is make a spreadsheet in Excel with formulas. Each week I plug in my paycheck and the formulas give me dollar amounts for each category. Since my pay changes each week (hourly pay), this makes it easier. I realize it's pretty simplistic, but I am afraid it may be hard to stick to.