I believe that your PITI mortgage payment should not exceed 25% of your net after-tax income.
I have come to realize that frugality applies to more than just finances and that simplicity is a way of thinking and living.
When it comes to saving and accumulating money; a little bit often adds up to a lot!
Many people will abandon a budget if it is too complex or requires more bookkeeping and analysis time than they can (or are willing to) spend.
Budgeting allows you to take control of your finances. You work too hard for your money to not manage it. Budgeting is simply implementing a plan for your money.