Housing

• Mortgage or rent payments
• Property taxes
• Homeowners or renters insurance
• Home maintenance and repairs
• Utilities (electricity, gas, water, sewer)
• Internet and cable services
• Home security systems
• Homeowners association (HOA) fees

Transportation

• Car payments
• Auto insurance
• Fuel
• Public transportation fares
• Vehicle maintenance and repairs
• Parking fees
• Registration and licensing fees
• Road tolls

Food

• Groceries
• Dining out
• Takeout and delivery
• Special dietary needs

Healthcare

• Health insurance premiums
• Out-of-pocket medical expenses
• Prescription medications
• Dental care
• Vision care
• Mental health services
• Alternative therapies

Insurance

• Life insurance
• Disability insurance
• Long-term care insurance

Education

• Tuition and fees
• School supplies
• Textbooks and course materials
• Student loan payments
• Continuing education and professional development

Childcare and Family Expenses

• Childcare or daycare
• Babysitting
• School expenses
• Child support
• Elder care

Personal Expenses

• Clothing and apparel
• Personal care products and services
• Entertainment (movies, events, hobbies)
• Fitness memberships and equipment
• Subscriptions (magazines, streaming services)
• Electronics and gadgets

Savings and Investments

• Emergency fund contributions
• Retirement savings (401(k), IRA)
• Investment contributions
• College savings plans

Debts and Loans

• Credit card payments
• Personal loans
• Payday loans

Taxes

• Federal and state income taxes
• Capital gains taxes

Travel

• Vacation expenses
• Hotel stays
• Airfare
• Rental cars
• Travel insurance

Miscellaneous

• Gifts and donations
• Legal fees
• Pet expenses (food, healthcare, grooming)
• Seasonal expenses (holiday decorations, costumes)
• Home furnishings and appliances
• Garden and lawn care