Here is a quote from Elder Hales, "These two lessons are the essence of provident living. When faced with the choice to buy, consume, or engage in worldly things and activities, we all need to learn to say to one another, “We can’t afford it, even though we want it!” or “We can afford it, but we don’t need it—and we really don’t even want it!”
Travis and I have tried to make budgeting fun. For example, we established a "Smoke Fund." Basically we figured out how much we would have to spend to smoke a pack of cigarettes each week, and then we use that money instead to do something fun each week! What are some tactics that you guys use to make budgeting/finances more effective and fun?
Elder Hales talk, "Becoming Provident Providers Temporally and Spiritually" - http://www.lds.org/general-conference/2009/04/becoming-provident-providers-temporally-and-spiritually?lang=eng
One for the Money - http://www.lds.org/ensign/2007/09/one-for-the-money?lang=eng
Dave Ramsey -https://www.youtube.com/watch?v=Ng2f_ZlZjdQ