Does anyone do and love this? No. just me? I’ve started to enjoy doing my budget each month now I’m not scraping every penny and I have my EF. Most bills are paid by dd except a couple that I do manually. For my dd’s that vary each month, I always budget for slightly more. For example one bill, I budget £100 but it usually falls between £79 and £92. Then when it comes out and is less than I budgeted, I can’t wait to add the extra to my EF. LIKE I GET EXCITED Yeh, ok, just me then