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I have never operated on a real budget. We have always lived within our means, so we never saw the need to have a budget. It's worked pretty well thus far in our 23-year Marriage.
As to how I allocate - I don't. I don't have any car payments, I pay off credit cards monthly, we have very manageable mortgage's (two homes), and we don't have expensive habits. I don't save and put away money monthly. I'm self employed, so I max out my SEP IRA once a year, and invest a couple times per year. The rest goes back into my businesses (which has been my best investment).
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