Underlying reasons for overspending.
Sorry to break it to you but you could be the reason...
This article outlines the most common reasons for not succeeding with a budget. It's the first step in getting your money on track.
An emergency fund is a separate stash of money to use in case of emergencies. A top priority for a successful budget. This should be kept separate from all other money to be only used for sudden and unplanned expenses.