Takeaways: How to build a budget
It is important to stress that the tool main goal is to look at your spending holistically not just from a monetary standpoint. Actually, most budgeting tools will exclusively focus on the monetary aspect of your spend. Thus, underestimating the impact of non-monetary value in your budgeting.
Time, for example, is a critical element that affects your budget. The total cost of making your own food is the sum total of the money you spend on buying and paying for the resources and your availability. Generally called opportunity cost.