At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.
Currently, I’ve knocked down the CC by a third, plan to get it under control by march of work keeps up, then going back into savings and continuing with the basic plan.