This free list will make sure you don’t forget to include an expense in your budget, so you can make a budget that works. This list is designed to cover as many personal budget categories as possible but don’t feel overwhelmed by its size, because not all will apply to you. It’s a list of over 80 different budget categories. If you want to get some ideas of what budget categories to include in your budget, you can download my FREE Budget Categories List. That can throw your whole budget off and you feel like a failure. Most people go wrong when making a budget because they accidentally leave out categories that will require money at some point. This accounts for your savings account, emergency fund, retirement accounts, investments, etc. This accounts for gifts given, charitable donations, and religious tithing. These are expenses such as health insurance, doctor co-pays, medicine, health club dues, life insurance, and veterinarian/pet care. These are expenses such as hair cuts, hair styling, nail and skincare, dry cleaning, clothes, student loans, etc. These are expenses such as going out with friends, bars, concerts, movies, vacations, etc. This accounts for expenses such as dining out and groceries. These are expenses such as cell phone, internet, cable, electricity, gas, and water. These are expenses such as your car note, fuel, car insurance, car maintenance and repairs, parking, taxis, public transportation costs, etc. This accounts for your rent or mortgage, property taxes, home insurance, common charges, maintenance, etc.
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