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How do you get a budget done?

I am not an expert, just a very messy guy.
Luckily, I can afford to pay my bills, and I have a lot to pay...
My rent first, then my car premium, my car insurance, my medical insurance, the gym fee, the cable fee, the electricity, the water, and it seems like it never stops.
I am one of the lucky ones, I can afford it.
But I had a problem putting anything significant on the side after I paid for all those things.
I had to try something...
So, I started a very essential budget planning.
It is quite a nice tool, where you can write down all your expenses, on an excel page, and actually allow for your savings as well.
The motivation part is that it gives you an idea of what you could save by the end of the first year, or in six months or in 10 years...
No need for a financial advisor if you can do it yourself.
The trick here is to organise your bills through different accounts.
If you are paying everything from the same account, you will never achieve anything.
All your debit orders, coming in for your car, insurances, and fees should all go from one account, different from your main account where you receive your salary.
This means that each month, you put aside the money for all your bills in that account, and that is one less thing to worry about... That is if you can still afford them and you are not already drowning into debt.
Next, you need another account for your savings... Set a realistic amount you can afford to put aside each month without straining yourself, otherwise you will use it all, even if you did not need the whole amount. Trust me I know what I'm talking about.
I resume,
one account for your bills; The only money that goes in there is the money you put in, after you calculated your expenses for the month.
one account for your savings; set an amount you can afford to put aside without having to crawl back to in the middle of the month.
Your main account, where you receive your salary, should be different from those two.
Now if you still have enough spending money, you can then set up a fourth account for your investments... this one should come only when the first three are well and running, and only if you have enough money for it.
Investing is quite important, but remember one thing. Invest only the money you can afford to lose...
It is always a risk to invest, so do not put your life savings or your pension money into any scheme.
Here you go...
I hope this will help you getting started.
Do not expect to get it right on the first months, there is a lot of "bad habits" you might have to deal with at first, but do not give up.
If you need help with the excel page, you have my e-mail at the bottom. Just ask and I'll send one for you (free, of course).

Good Luck.

Your favorite brain breaker e-mail magic-freddy@hotmail.com