If you want to lose weight, you should create a record of each and every calorie you consume, and record how much you exercise. This is a pretty successful approach when it’s followed, but it’s pretty tricky to follow.
Similarly, if you want to build wealth, you should spend less and save more. As with losing weight, gaining wealth comes from awareness. If you’re mindlessly eating in new restaurants night after night, you will be fat and poor. (Unless you’re also working out all the time and cutting back in other areas, of course).
So, if you want to save more – and if you don’t want that then I’m not sure why you’re on this page – you should have a budget.