[xupybd]

Just tracking no but allocating yes.

If you plan ahead you know how much money you actually have and can plan better.

I find I save way more with a proper budget in place.

[stouset]

A proper budget does not require you to drill down to the level of tracking specific food groups.

[xupybd]

Not normally, no. But we track things like cleaners vs food.

I budget very high level but when my wife did her own before we were married she prefered fine grain control. I think it's more of a personality thing.