Yes, it can help with small expenses. However, each year that passes those expenses become more expensive while take home compensation stays at fixed dollar am

Yes, it can help with small expenses. However, each year that passes those expenses become more expensive while take home compensation stays at fixed dollar amount that isn't adjusted for inflation. For example, medical expenses can, and do, bankrupt people. No amount of saving $20 each month will pay off many medical bills. It's the reason that medical expenses are the top cause of bankruptcy, followed by job loss. The problem is that budgeting is portrayed as a panacea to poverty or an altar on which the poor are chastised for their suffering.