Gamify budgeting. I'm on a low income (UK sort-of disability benefits) and I've got a budget set up, but I don't set aside anything. I should, and I should be able to.

I'm more than happy to describe my experiences of claiming "employment and support allowance (work related activity group)" (and the transition from Incapacity benefit to ESA-WRAG; and the difficulties of working while on this benefit.) AMAA.