There is a myriad of reasons why people find it difficult to develop a monthly spending and savings plan.  Having a variable income can make it difficult to plan ahead for what can be saved each month.  Unexpected expenditures are just that, unexpected.  We work and save so that we can afford things like trips, nice dinners, home improvements, or however you want to enjoy your life.   Reward yourself for your accomplishments instead of feeling regretful about not saving and do so confidently with a plan.