Others find it more helpful to keep ongoing, monthly debt obligations in a separate category. Some people like to break debt payment obligations down into the individual categories they relate to, such as putting your car payment into the “transportation” category. I don’t add expenses such as health care expenses in this category we’ll talk about those in another category.
Foodįood expenses can include any costs you spend on eating, such as: One good way to prepare for larger costs such as a new furnace would be to have a special savings account where you put money aside each month that is specifically designated for large home repairs in the future. Some of these types of costs may fluctuate each month so you’ll need to keep that in mind when you create a monthly budget. Property tax payments (unless they’re collected with your house payment).
Repair costs such as a need for a new vacuum, furnace, flooring, etc.Maintenance costs such as landscaping, replacement light bulbs, etc.Utility bills such as electric, natural gas and water.Home expenses will include everything related to your home, including items such as: Let’s talk about each category and what types of expenses you might assign to each one. Typical monthly expenses can be broken down into several basic categories. What if I Don’t Have Discretionary Income?.
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