Budgeting isn’t something that is set in stone – so before you settle on a final budget, do some groundwork, and make sure that you’re comfortable with what you’ve planned.
The KEY aspect to budgeting is not looking at ‘how do I afford to do or pay for X’.    Instead, look at what your budget allows you to do.  It’s important to look at your income and allow it to lead your budgeting, because it is one way to dictate your natural affordability borders, but remember that you can save in …