A full expense breakdown, even estimates, is helpful.
The way my DW and I do it is that we have various savings "buckets". My income is commission and highly variable, so I use percentages of net cash flow per month.
Currently it is 50 percent to debt, 10 to travel, 10 to homeschooling expenses, 10 to vehicle replacement, 10 to house improvement, and 5 to each of our personal spending accounts.
We've just started this, so the percentages will probably change, but hope that helps.