Once you've calculated all your required expenses, subtract that from your net income for the month. Now you know what you have to put aside every month just to get manage your obligations and how much you have left to make decisions on. From here, set an entertainment budget. In the days of digital currency, it's easy to tap your bank card into debt. One tip is to withdraw your entertainment money in cash on every pay date and then store your bank card. Once the cash is gone, you know you need to find free entertainment options.