I don't know if this type of account is available in the States but I have an account that combines everything - savings, line of credit, mortgage. As each paycheck goes in, the bottom line shifts and I don't pay interest on that amount of money for the amount of time it is there, until the bills start coming out. I don't have to worry about money going in and out because it all floats on the line of credit. It also pays really good interest when I'm in the black (which I haven't been since I rolled my mortgage in).
That said, I do set a budget each year. I wait until the beginning of February when I've had two paychecks (paid biweekly) that are definitely from the new year with any increase I might be getting. I look at all my bills from the year before, take the highest amount and round it up to the nearest $5. Anything else, I calculate out what the expenses would be for the month. I used to pay my mortgage weekly so I multiplied by 52 and divided by 12 to get a monthly amount. I included my lottery addiction in 'fixed' expenses and anything else that was the same every month, even if it wasn't an automatic payment. Then I subtracted the total from the total of two paychecks and that left me with the money I had to work with for variable expenses and additional savings (I included my retirement savings in the fixed expenses). Because my budget is based on two paychecks a month, the third paycheck that happens twice a year is straight into savings. Additionally, around July or August, my paycheck increases because a couple of regular deductions get maxed out for the year. I pay my property taxes monthly by PAP and they don't take anything November and December which gives me that little bit of cushion to go over budget for Christmas shopping.
I don't work on cash - almost everything goes on credit cards and is then paid off each month. That way, I get the rewards points and I also get a receipt. At least each week, I gather up the receipts and write them down in a daily diary. If I buy something that doesn't give me a receipt (like the snack bar at work), I try to remember to write that down right away. The reward points from one of my cards goes a long way towards paying for my gardening addiction and I just went to California on the rewards points from the other card. I don't panic if I go a bit over one month, especially if there has been an unusual large purchase that month, like when I bought new tires in April. But I keep track of the overages and underages to make sure it mostly evens out for the year.
All my bills, except my credit card bills, are set up to be paid out automatically. As soon as my credit card bills come in, I set them up to be paid. With my internet banking, I can set them up to be paid in the future so I set them up to be paid 5 days before they are due (they recommend 5 business days but I go with 5 days flat).
Unfortunately, this approach only works if you have a bit of a cushion but something to think about if you have or can build a cushion.