Housing Rent or mortgage payments ........ ee $. Electricity/gas. Water .... Phonelinternet... Garbage removal ........200020000+ Cleaning, maintenance, repairs Food ‘What you spend at the supermarket and/or farmers’ market . Eating out .. Clothing Purchase of new or used clothing Cleaning, dry cleaning, laundry .. Automobile/transportation Car payments Gas... Repairs... Public transportation (bus, train, plane)...........+- $. Insurance a. ‘Medical or health care House and personal possessions. . Life.. Medical expenses Doctors’ visits. Prescription: Fitness costs Support for other family members Child care costs (if you have children) ...........2.. $ Child support (if you're paying that).............2. s Support for your parents (if you're helping out)... $Charity giving/tithe (to help others) School/learning Children’s costs (if you have children in school) ... Your learning costs (adult education, job-hunting classes) Student loans . Pet care (if you have pets). Bills and debts (usual monthly payments) Credit cards .. Other obligations you pay off monthly. ... Taxes Federal (annual return, divided by twelve months) . State (likewise) ee Local/property (annual, divided by twelve months). Tax help (if you ever use an accountant, or pay a friend to help you with taxes) Savings (what you currently deposit each month) .... Retirement contributions ............20000000e0ee+ $ Amusementidiscretionary spending Movies, Netflix, other $ Other entertainment......0....00csseeeseeeseeees $ Reading: newspapers, magazines, books Gifts (birthdays, holidays, anniversaries) Vacations: Total Amount You Need Each Month.............----$.