![]() Medical: Doctor and dentist visits, medications, healthcare insurance. If you want to separate, you could include cable under Recreation. Telecom: Internet access, landline, mobile phone. You could also include business expenses here. Office: Office supplies, computer stuff, and postage. Pets: Food, supplies, vets, daycare, kennel, walkers, etc.Įducation: Classes, student loan debt, tuition, kids’ school, professional development, educational books, association dues. Meals Out: Everything from Starbucks to the ice cream man.Īuto/Transit: Car expenses (gas, repairs, insurance) or public transportation costs.Ĭhild/Eldercare: Babysitters, daycare, preschool, summer camp or any costs associated with caring for elders. Grocery: If you’re really serious about this, you can separate out non-food items into other categories like Personal Care or Household. (Jot down the specific expense next to the number if you want.) Utilities: Electric, gas, oil, water, garbage, sewer, etc. Household: Anything you need for your house (from furniture to cleaning supplies to repairs). Mortgage/Rent: Ours also includes homeowners/renters insurance as well as property taxes, but you could separate these out to Taxes and Insurance if you want. Consider a monthly automatic transfer to a targeted savings account. ![]() Savings: At the top, because if you pay yourself first, you won’t be left at the end of the month with nothing for your long-term goals. Here is how you can use the categories to record your expenses: When my husband and I need to get more specific about an expense, we just scribble a key word next to the cost like “school donation” or “new glasses.” This helps us remember larger expenses at the end-of-the-month reckoning. This printable chart has enough categories to encompass most any expense, yet not too many to make it overwhelming. How to Use the Chart, Category by Category But I’ve tried digital programs like the free, and even though I like the colorful pie charts, categorizing expenses is clunky and onerous. Once you experience the overall concept and understand how day-to-day spending fits into the big picture, then transitioning to an electronic system is fine if you want to. “As you physically write down the numbers and visually note them and the surrounding information, there is a special sensory awareness and understanding that occurs.”
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