Budgets are such a good idea. I took money management a couple years ago, but never put my knowledge into practice. While on a mission I really learned the importance of budgeting.My companion and I would sit down once a month (usually really close to the beginning) and take all of our money and deciding TOGETHER where every cent needs to go. We had multiple envelopes, with labels such as rent, food, utilities..etc. We would talk and counsel together where we thought we should put all the money. We made sure to only buy what we needed and not too much of things we wanted. We were living in Latvia, it was one of the most expensive countries to live in in my mission. at the end of the transfer we found out that we had a whole bunch of money left over just because we budgeted. But the budgeting did more than just save us money, it brought us closer together in unity. We worked very well together. It taught me a valuable lesson about how much of an impact budgeting has on a relationship. It was fun to read over the church's pamphlet and teach it to a class mate.