XP from MM: Budget spreadsheet

[psychmom]

What categories do you have already?

[snipsnsnails]

Here are ours:

Emergency/Living Fund/General Savings
Retirement

Mortgage
Property Taxes
Repairs/Maint.
Charitable Donations
Tithe
Child Care

Electricity
Water
Septic
Heating Oil
Phone
Cable/Internet

Groceries
Restaurant

Car
Gasoline
Auto Maintenance
Insurance
License and Taxes

Clothes
Dry Cleaning

Doctor Bills -DH
Doctor Bills - Snips
Doctor Bills - V

Toiletries/Hair Cuts/Personal Care
Gym
Personal Entertainment

Gifts
Travel

Student Loan
Student Loan

[jens]

Ours includes the following:

Mortgage
Mortgage Insurance
Property Taxes
Condo Insurance
Groceries
Gas
Power
Condo fees (water, heat, maintenance)
Cable, Internet
Cell
Car Loan
Vehicle Plates
Clothing
Tithes/Charity
Student Loan payment
Savings
Travel
Life Insurance
Health Insurance
Medication
Entertainment
Gifts
Aesthetics, haircuts
Eating out/on the go
Vehicle Maintenance
Memberships
Pet expenses
Parking

Making sure to include things like Children's Activities, gym memberships, daily coffee purchases, etc. is good because all of those smaller items eat up your excess budget really quick without you realizing it.