11/13/2022 0 Comments Household budget![]() In the grand scheme of things, it is a small detail in your big plan. It’s also important to not stress about the percentages month to month. It’s important to keep in mind that when it comes to your budget and percentages, that it may not be exact. There are general recommended household budget percentages and there are also Dave Ramsey budget percentages. The more you break it down the easier it will be to stick to because you will remember a lot of little things that you often forget. 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. You can also print your data.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. The ability to backup and export to CSV- and PDF-formats allows you to save your data securely. In order to simplify data collection the program supports an import function, which allows data importing from other programs. In the diagram you can view your balance in certain months, and compare them. Your data can be also sorted by category, accounts, regular payments or unnecessary payments. All the data will be displayed in the detailed monthly and annual reports according to your wishes. These expenses will be also clearly reflected in the balance. With this function it is possible easily and quickly to note the costs that you would like to avoid in the future. Also, regular payments can be added to the monthly or yearly intervals.Īnother important function of the program is "unnecessary payment". So, for example, household expenses, food, parking tickets, insurance and much more will be clearly displayed in the program. The program includes different filters that allow you to view your financial situation in detail. For a better overview, all entries are also divided into categories. Thanks to various accounts function, it is possible to divide payments and receipts in cash or card. Finally, you can clearly see your expenses and optimize them.Īll income and expenses of your daily life can be added to the program. The program gives you an opportunity to maintain a record of your personal finance. ![]()
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