These categories are very broad and can be broken down even further for your personal needs. It is your preference on how you want to calculate it.įor me, my house insurance is covered in my mortgage payment, so it is included in housing costs. Some people include house and vehicle insurance in those main categories. This can include your buffer for your checking account Miscellaneous– this category is for little things you forgot or that don’t fit into another category.Insurance– health insurance, vehicles, housing, life, and disability (you can include house and vehicle insurance in the other categories).Healthcare– includes everything except your insurance premiums, your copays, medications, and doctor bills.Entertainment– anything you do for fun, including kids sports and activities, gym memberships, concerts, and vacation.
Savings– saving for emergencies and retirement.Giving- this includes tithing or giving to charities.Utilities– power, water, sewer, trash, internet, and phone.Personal Spending– clothing, hair and nails, decor, massages,.Transportation– all costs including car payment, taxes, public transportation, maintenance and storage/parking fees.Food– groceries, fast food, and eating out.House costs– rent/mortgage, maintenance fees, taxes, and HOA fees.However, all those little categories typically fall into more general categories.Īlso check out this list of 100+ budget categories. When making a zero-based budget, you may have a lot of different categories just so you can keep all of your expenses accounted for.
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