I budget and in the following ways.
Home and business budgets are separate.I will also stick to home budgeting like the posts in the thread.
My wife (also typed as intj v.recently) handles the money, but we plan together. Basic cash flow statements are the tool to budget, rest is discussion and mental memory.
On a side note, I chose always term insurance covers, low premiums, high coverage, zero returns. My wife, she looks at that like its only for tax break and investment purpose. Its a source of conflict at home, or rather, used to be.
My basic ideas
waste not, want not
maintain written accounts
avoid debt, even at cost of lower lifestyle
savings is not really useful today, unless its part and parcel of 'savings and investment'
don't be penny wise and pound foolish
you get what you pay for
keep aside a portion to give for social responsibility programme/s
when budgeting, if you have to keep buffers, you don't have enough data and a good plan
thats it i guess