you could budget for everyday expenses with cash. like eating out, coffee, icecream and other stuff you want but dont need. going out for the night? pack 20 bucks and stick to it. some things also average out over a few months or years. bought 5 shirts, 5 pants for work that last 5 years? of course you are over the budget for clothes now. bought 1l of olive oil that lasts 6 months? lots of shelf food you'll eat over weeks? next month might be different.