I regularly have these conversations with "smart" people who could be doing so much more. I find it necessary to try and balance my own obsessive personal finance issues with those on the other extreme. However, I must admit that though I track everything, front-load big purchases on the early end of my credit card billing cycle, and game every credit card reward I can, I have never really budgeted. I have never balanced a checkbook. I just don't feel the need when I keep a sufficient float in my checking account, continue to save, and track every expenditure through Yodlee. So I guess my answer is it's not worth the time to budget (for me).
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