If anyone don't understand this basic thing such as budgeting then they should not be in business or have anything to do with finance. OP you did a good job but have honestly post like this are basic, this type of post will have a good fitting for beginners and help. This is a vast forum and the economy board of the forum talking about very basic thing like this that is obvious as day light is a bit cringe.
what op figures out is our problems in normal day life, because I know very well that without budget you can't achieve anything, do you know that so many of us who is in forum earning every week, they're people who will earn what some of us earn in this forum they will become a billionaire in normal life living, but When we earn here we think is not going to make us to be rich, it's wrong planning that makes most of us not to utilise this opportunity, so I believe that we need to apply what op says in a day life, budgeting and planning works hands to hand, and if we fails to plan we'll it left for us.