Why Should I Make a Budget?
You say you know where your money goes and you don't need it all written down to keep up with it?
Make a personal commitment to keep track of every dollar you spend for just one month.
Set some specific long term and short term goals.
There are no wrong answers here. If it's important to you, then it's important period, whether you want to save for a super special vacation, a nice car or a wardrobe upgrade.
If you have a spouse or a significant other, you should make this budget together.
Sit down and figure out what your joint financial goals are: long term and short term. Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.
Changing spending habits is really hard. You will get side-tracked from time to time. Don't let it discourage you. Try again. And again. And again.