Spot budgeting is a solution for people that have a hard time developing and sticking to an overall budget plan. If your finances allow you to spend without following a strict budget, this type of planning says it's OK not to direct how every penny will be spent.
Instead of calculating every little expense, spot budgeting entails choosing a few spending categories that you know can be trimmed and focusing on spending less in those areas. For example, you could choose to monitor your money in terms of your food budget, entertainment, and gas. Spot budgeting is flexible and makes it easy to change your monthly budgeting priorities without feeling like your whole plan is ruined.