Food - I have to keep buying it because we keep eating it, so it's a need.
Shelter- no mortgage, but property taxes MUST be paid, and insurance SHOULD be paid- I consider it a need.
Clothing- Except for my son, who keeps on growing, any new clothing is a want.
Utilities- I consider them a needCar expenses- no payments, but routine maintence is a need. Gas is a need, but driving whenever and wherever is a want. Type of car is a want.
Toiletries, such as deoderant, soap, shampoo, etc- a need, but type is a want.
Washer & dryer- need, as using a laundry is more expensive and time consuming.
Insurance- car, health, life, disability, long term care - I consider these needs.
Cable- want
Everything else is a want.