Do balanced checkbooks bounce straighter?

I have been trying to get things sorted out for the bills, based on what we have to pay out and what we put aside for savings and so on. By the time I get through all of the different things like phone bills, cable TV, electricity, travel funds and get all of the various insurance premiums paid I am left shaking my head and staring at nearly barren bank accounts that still need to stretch to get food and buy my dad cigarettes and put gas in the vehicles and...

Why is it that no matter how far within your means you try to live, the inflow of money to your savings account never seems to be as much as you would like it to be? You can shop around for the best life insurance rates, knock all the unneeded stuff off your car insurance, drop your phone and cable down to bare minimum services and you are still left scratching to find a way to put aside some kind of savings - which is then depleted when you are hit by the unexpected events of life.

Someday I plan to have a million dollars in my savings account, but until I can make it there I would settle for just keeping $100 in it for more than 20 days at a time.