I am up super late budgeting. I think one of the keys to sticking to a budget is putting in the time. It is easy to budget if I put in time every day, every other day, or even every third day, to update it with new expenses. Knowing the exact current running totals in each of my budget categories also helps me to stick to the budget.
If I let it go though, and let the receipts just pile up, the budget doesn't serve me much. However, it does give me a headache and stress me out during the month as I realize how behind I am in totaling our expenses.
In the book, The Millionaire Next Door, it says that a huge percentage of millionaires, particularly self-made millionaires, spend a significant amount of time budgeting, (well, actually the wives do).
Interesting! (I'm definitely not there yet!)
This is a great book, it even contains some specific advice directed toward physicians. The main point of the book is to learn how to save, to use the money you earn wisely. I pick it up and read it again every once in a while because the advice in it really motivates me to save, (I get very excited about it). My dad has always told me, "People don't save money, they don't know how. Learn how to save your money." It's definitely not an easy thing during these years of training, but it is a great goal. I figure if we don't learn how to save now, we never will.