Budget Categories

[ajksmom]

I'm starting this thread as a way to assist those who are just jumping on the budget bandwagon. It's easy once you've got a budget all set up for yourself but remember when you didn't have one? I remember what early Oct. did for me when I first started adhering to one, there are 11 birthdays in our family in the first 9 days in Oct. - certainly a budget buster if there ever was one!!
Needless to say it's quite often the unexpected/unknown things that can send one for a loop.
Let's start of list of what the line items are in our budgets. Perhaps we can shave a few months off of the time it takes to perfect ones own budget.

Here's mine -

Monthly Expenses
Mortgage
Cable
Electricity
Heat - Oil
Phone
Cell Phones
Gasoline
Food/HBA/Misc
Grocery
Warehouse
Wal-Mart
Insurance
Vehicle
Homeowners
Prescriptions
Donations
Savings

Yrly Exp. occurs:
Online Service
Life Ins
DH
Myself
Children
Dog License
Vet
Newspapers
Magazines
Vehicle Reg/Emis Fees
Trash Fee - pd to town
Taxes
House
Vehicles
Personal Property

Other Expenses
Doctor Co-pays
School Lunches
School Etc
Childrens Recreation
Birthday/Celebrations
Clothes
Diapers
Christmas
Vacations
CIGARETTES

Vehicle Repairs
Landscaping
Household Maint/Imp
Pool Supplies

In the past I've e-mailed these categories to others and have asked for updated lists back from them. Here are what others have added.

Equity Line of Credit
Car Payments
Propane
Natural Gas
Pager Service
Sewer Fees
Water
Professional Insurance
Train/Bus Passes
Lunches at Work
Stable Fees
Feed
Timeshare Fees
Timeshare Pmt
ST Disability Insurance
LT Disability Insurance
Medical Insurance
Dental Insurance
Tuition
Books
Uniforms
Parking Fees
Rent
Security Deposit Pmt.
LTC Insurance
Brokerage Fees
Renters Insurance
Snow Removal Fees
Lawn Care Fees
The Pool Man
Girl/Boy Scout Costs
Summer Camp
Music Lessons
Karate Lessons
Golf Fees
Gymnastics Lessons
Dance Lessons
Gym Membership

Now use what you need but DON'T decide you need dance lessons too, okay!!