Believe it or not, this is such a common question I hear when it comes to setting a budget. Regardless of which budgeting method you choose, you still need to figure out what is realistic for these different areas of life so you can set priorities for the bigger goals...
Being able to afford just about anything while on a budget seems like a dream, in the impossible sort of way. Budgets are often avoided because no one likes to feel like they are limited or confined. They want their money to feel free like it belongs to a nudist...