I love to save money and spend as little as I can each month. I used to be really good at budgeting, then we moved and things cot crazy. I got out of my habit of writing down everything that we spend and keeping track. Then entered Mint. It is a really cool online budgeting site. It is secure, like bank secure, and links all of your bank/credit accounts to it. I have still got to get things set up how I want it to be, but it tells you right there where you are spending your money. Like your types of purchases and things. It is much easier then going through bank statements and receipts. So go, try it! It will help prepare you for the future so you can have that rainy day fund you have been talking about. It is secure and pretty easy!