[wisnoskij]

I think this misunderstands the point of a budget. A budget is not primarily designed to develop a growing savings account, tho that is a very good side effect.

A budget is designed so that when the rent becomes due on the 29th, or you are hungry and you want want to consume food on the day before your paycheck comes in, you don't discover you have $2.50 to your name.

You could put money aside for food every day, and for rent, and utility, as well, and that would be called a budget. IN fact just paying yourself first, is just a really simplistic underdeveloped budget.