Don't let these three most common budget busters keep you from budgeting successfully and painlessly. The rewards of budgeting far outweigh the work. As an example, I know someone who just saved $1800 per year by quitting a $150 per month smoking habit and saved another $1350 per year by signing up for Netflix (unlimited rental videos through the mail for $20 per month) instead of buying two videos per week because there was no conveniently located video store nearby. These two moves are netting them $3150 per year after taxes!! You too can find savings like these in your budget.