Category Possible Expenses Home - Rent or mortgage - Homeowner’s or renter’s insurance - Home warranty - Home maintenance/repairs - Lawn care - Property taxes Auto - Car payment - Fuel - Auto insurance - Tires and maintenance - Tag/registration Utilities - Electric bill - Water bill - Gas bill - Phone bill - Internet service - Cable or satellite service Food - Groceries - Dining out Personal - Clothing - Hair care - Medical expenses Activities - Gym membership - Vacation - Charitable giving - Entertainment - Gifts