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Detailed Budget ... Would you take a look and see what I'm missing?

post #1 of 6
Thread Starter 

I'm really trying to set up a super detailed budget. What am I missing from the below list? Life & Medical Insurance are deducted from dh's paycheck automatically.

 

Rent

Renters Insurance

Gas/Electric 

Cable/Phone/Internet (bundled)

Water

Misc. Housing Supplies 

Groceries

Fast Food/Vending

Dining Out

Car

Car Insurance

Gas

Travel (train, parking)

Pets

Doctor CoPays

Prescription CoPays

Vitamins

Misc. Pharmacy

Netflix

Donations

Cell Phones

Gifts (birthdays, weddings, holidays)

Church

Classes for dd 

Misc. for dd (random toy or treat)

Museum Membership

Clothing

Entertainment

Haircuts

 

 

 

 

 

 

 

 

 

post #2 of 6

Car maintenance: oil changes, new tires, scheduled tuneups, unscheduled repairs, registration fees, drivers' license renewal fees

 

Pets: make sure you include scheduled *and* unscheduled vet visits, food, any other supplies (cat litter, guinea pig bedding, whatever)

 

Does anyone wear eyeglasses or contact lenses?

post #3 of 6

Car maintenance?

post #4 of 6

Personal spending money/allowance. Even if it is $20 a month. Money for indulgences that you don't have to justify.

Savings: emergency fund, goals, debts if you have any, for taxes if you will need to pay more

Bigger household expenses like furniture. I like to differentiate between things that get used up and things that don't

 

I like separating fast food/vending from dinning out.

 

post #5 of 6

Savings

Sewer and trash collection

Car tags/registration

have any credit cards or student loans?

post #6 of 6
Thread Starter 

I can't believe I forgot car maintenance  duh.gif 

 

I've debated about putting a personal category in there but we don't have any spending money. Once in a blue moon I'll go to coffee with a friend but I put that under the dining out category. Despite my desperate pleas, dh is refusing again to give up his sodas and granola bars and lunches at work so that's why I have the fast food/vending category. So I guess we do have spending money - we just eat it all blush.gif

 

Every other month or so MIL will babysit for free and dh and I will go to a movie which I put under entertainment - that's really the only thing that goes in that category other than some random $10 here and there for things like festivals for dd that charge admission in the summer.

 

I didn't think about the furniture. If my couch were to break I think we'd be sitting on the floor for a while ...lol. 

 

 

 

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