So you want to make a budget, but you have no idea what to include.
Were here to help.
Weve scoured the internet and our bank transactions.
Tina Russell/The Penny Hoarder
Sure, you might be able to think of something we didnt.
These are just the ones we thought would be most relevant to most readers.
So get out your budgeting apps and open those Excel spreadsheets.
Its time to budget.
Housing
Homeowners and renters alike need to think about costs like insurance, minor repairs and dues.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Are you making quick stops to the gas station or buying hot dogs at the baseball game?
Dont make the mistake of leaving those out.
Utilities
Think of utilities as the things you should probably trigger the things you need.
Financial
The old adage pay yourself first applies here.
Think of all your financial goals and obligations, and include all of them in your budget.
Did you know?
Have you included all of them in your budget?
Personal Care
What are all the products that make you look and feel your best?
see to it your budget accounts for these items and services.
Then, ensure youre budgeting to cover routine health care and emergencies.
Entertainment
Its not bad to budget for entertainment.
After all, youve gotta have fun!
Determine what fun is to you, and add those expenses in.
Gifts and Giving
Giving isnt just for the holidays.
Kids
Kids are expensive, no?
Your budget can be as simple or as detailed as you want it to be.
The most important thing is to stick to it.
We hope these budget categories will help you make a budget with fewer surprises and more positive feelings.
When you log into your bank account, how do your savings look?
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
