{"id":24205,"date":"2026-04-18T22:43:42","date_gmt":"2026-04-18T22:43:42","guid":{"rendered":"https:\/\/thefundspros.com\/?p=24205"},"modified":"2026-04-18T22:43:42","modified_gmt":"2026-04-18T22:43:42","slug":"monthly-expenses-to-include-in-your-budget","status":"publish","type":"post","link":"https:\/\/thefundspros.com\/?p=24205","title":{"rendered":"Monthly Expenses to Include in Your Budget"},"content":{"rendered":"
\n

If you regularly make a monthly budget (or you\u2019re ready to start), that\u2019s awesome. I mean it! Budgeting is the first step to taking control of your money, and you\u2019re taking that step.<\/p>\n

But maybe you\u2019re wondering if you\u2019ve got everything you need\u00a0in your budget. Here\u2019s something that will help: a list of budget categories and monthly expenses to include every month. Plus, I\u2019ll show you how to budget for your monthly expenses, step by step.<\/p>\n

Let\u2019s jump right in to budget categories for every month!<\/p>\n

Examples of Monthly Expenses to Include in Your Budget<\/h2>\n

What you budget for each month depends on your family and your lifestyle. You\u2019ve also got both fixed expenses and variable expenses that change month to month.<\/p>\n

Here are 51 examples of monthly expenses to include in your budget, organized by budget category. You may not need every single one of these budget lines, but this list will help you get started!<\/p>\n

Giving<\/h2>\n<\/p>\n

I always start my family\u2019s budget with giving (including tithing 10% of our income). It\u2019s the best way to get my head (and heart) straight before I start working through the rest of my budget. Generosity takes the focus off me and shifts it onto thinking about others. And honestly, it helps me start each month feeling way more grateful for what I have.<\/p>\n

1. Tithing<\/p>\n

2. Charitable giving<\/p>\n

Saving<\/h2>\n<\/p>\n

You need to make saving a priority in your budget. That includes building an\u00a0emergency fund\u2014$1,000 if you have debt and 3\u20136 months of expenses once you\u2019re debt-free. You also want to make sure you\u2019re investing 15% of your income for retirement. And if you\u2019ve got a big purchase coming up (like a car or a vacation), use a\u00a0sinking fund\u00a0to save up for it every month.<\/p>\n

3. Emergency fund<\/p>\n

4. Retirement savings<\/p>\n

5. Large purchases<\/p>\n

Food<\/h2>\n<\/p>\n

Now that we\u2019ve got giving and saving taken care of, we need to cover your monthly bills. Let\u2019s start with what I call the\u00a0Four Walls: food, utilities, housing and transportation. For food, make sure groceries and restaurants each have their own budget lines. Because you have to eat\u2014but you\u00a0don\u2019t\u00a0<\/em>have to eat out.<\/p>\n

That\u2019s right: Restaurants fit nicely under your food budget category, but they\u00a0aren\u2019t\u00a0<\/em>an essential expense, and they\u00a0aren\u2019t<\/em>\u00a0one of the Four Walls. If you need to free up cash for one of the Baby Steps or get more margin in your budget, this is a great place to\u00a0cut spending\u00a0and save money!<\/p>\n

6. Groceries<\/p>\n

7. Eating out
\u00a0<\/p>\n<\/p><\/div>\n

\n

Utilities<\/h2>\n<\/p>\n

In this monthly budget category, include all the services that keep your house running. Remember, these\u00a0utility bills\u00a0might change from month to month, so think about that as you plan.<\/p>\n

To be safe, budget on the higher side in each of these budget lines\u2014and if you don\u2019t end up needing the money, throw the extra at your current money goal!<\/p>\n

8. Electricity<\/p>\n

9. Water and sewer<\/p>\n

10. Natural gas or propane<\/p>\n

11. Trash services<\/p>\n

12. Internet<\/p>\n

13. Phone bill<\/p>\n

Housing<\/h2>\n<\/p>\n

Just including your rent or mortgage payment isn\u2019t enough when you budget for your housing costs. Don\u2019t forget property taxes and HOA fees (if those things apply to you), as well as lawn care, gutter cleaning and HVAC inspections.<\/p>\n

You can also include household items like laundry detergent, toilet paper, paper towels and light bulbs in this category. Household items\u00a0are<\/em>\u00a0a part of life\u2014and they need to be in the budget.<\/p>\n

14. Mortgage or rent<\/p>\n

15. Property taxes and HOA fees<\/p>\n

16. Home maintenance<\/p>\n

17. Household items<\/p>\n

18. Lawn care<\/p>\n

19. Pest control<\/p>\n

Transportation<\/h2>\n<\/p>\n

This budget category might include gas, public transportation costs (including Uber or Lyft rides), oil changes or other routine car maintenance\u2014really just anything you pay to get where you need to go.<\/p>\n

Of course, the amount you budget each month for transportation costs might change. Think about any special occasions like a trip to Grandma\u2019s or an out-of-town soccer tournament for the kids. You\u2019ll need to budget more for gas in a month that has more driving!<\/p>\n

20. Gas or public transportation<\/p>\n

21. Car maintenance<\/p>\n<\/p><\/div>\n

\n

Insurance<\/h2>\n<\/p>\n

Yeah, I know insurance isn\u2019t the most fun thing to spend your money on, but don\u2019t skip this.<\/em>\u00a0Insurance helps protect the people and the things you love. When you\u2019re budgeting for monthly expenses, don\u2019t forget to include monthly premiums for\u00a0the types of insurance you can\u2019t do without, including:<\/p>\n

22. Health insurance<\/p>\n

23. Auto insurance<\/p>\n

24. Homeowners or renters insurance<\/p>\n

25. Term life insurance<\/p>\n

26. Identity theft protection<\/p>\n

Health<\/h2>\n<\/p>\n

Medicine, vitamins, supplements, gym memberships, workout apps, therapy\u2014it all counts here. Make sure you\u2019re taking care of yourself. But at the same time, remember: You can<\/em> be fit and healthy on a budget.<\/p>\n

27. Gym memberships and fitness classes<\/p>\n

28. Therapy appointments<\/p>\n

29. Copays for doctor visits<\/p>\n

30. Medication<\/p>\n

Kids<\/h2>\n<\/p>\n

For those of you with children, you know costs can add up quick. Childcare, school tuition, supplies, field trips, dance or karate classes, the group snack you forgot you signed up to bring. Including as many of these expenses as you can in your budget will keep you from stressing as much.<\/p>\n

31. Childcare<\/p>\n

32. School expenses<\/p>\n

33. Sports and extracurriculars<\/p>\n

Debt<\/h2>\n<\/p>\n

If you\u2019ve got debt, you need to include it in your budget. Start by listing the minimum monthly payments for all your debts\u2014your car payment, student loans, credit cards, etc. Then, use any extra money you can squeeze out of your budget and throw it at your smallest debt. Having your debts listed in your budget every month will help you pay them off faster!<\/p>\n

34. Car payment<\/p>\n

35. Student loans<\/p>\n

36. Credit cards<\/p>\n

Pets<\/h2>\n<\/p>\n

We love our furry friends, but it takes money to keep them happy and healthy. Don\u2019t forget to budget for pet costs like food, vet visits, flea and tick medication, heartworm prevention, grooming, boarding, toys, treats and other supplies.<\/p>\n

37. Pet food and treats<\/p>\n

38. Pet medication<\/p>\n

39. Vet visits<\/p>\n

40. Grooming and boarding<\/p>\n

Lifestyle and Entertainment<\/h2>\n<\/p>\n

Tickets to a concert. A ball game with your kids. Bowling with friends. It\u2019s great to spend money on things you enjoy\u2014if it\u2019s in the budget! (You can also have plenty of fun without spending a single dollar, you know.)<\/p>\n

And if you pay for any TV or music streaming services to avoid the ads, be sure to put those in the budget too! Some of them are regular monthly expenses, so they need a budget line every month. Others you pay for once a year, so you\u2019ll need to know which month to expect the charge.<\/p>\n

41. Streaming services or cable<\/p>\n

42. Subscriptions (monthly and yearly)<\/p>\n

43. Event tickets<\/p>\n

44. Travel expenses<\/p>\n

Personal<\/h2>\n<\/p>\n

For this category, you can include expenses like clothing, personal care items (toothpaste, makeup, beard oil, etc.), and getting your hair or nails done. This is also where you put aside some money each month to spend on whatever\u00a0you\u00a0<\/em>want. Planning this amount ahead of time helps you spend guilt-free and\u00a0<\/em>avoid\u00a0overspending\u00a0<\/em>on\u00a0impulse buys.<\/p>\n

My husband, Winston, and I each have our own fun money lines\u2014and you should too if you\u2019re married. I don\u2019t have to check in when I see something I want in the $5 Target bin, as long as there\u2019s still $5 left in my line! It keeps us accountable to our budget\u00a0and<\/em>\u00a0to each other\u2014but it also gives us freedom to spend. And really, that\u2019s what budgeting is all about!<\/p>\n

Now, if you\u2019re trying to build up your savings or pay off debt, you\u2019ll want to trim this category down to help you reach your goal faster. But it\u2019s okay to reward yourself in little ways along the journey!<\/p>\n

45. Clothing<\/p>\n

46. Personal care<\/p>\n

47. Fun money<\/p>\n

Month Specific<\/h2>\n<\/p>\n

Most of the expenses I\u2019ve listed will show up in your budget every month. But there are also irregular expenses you only have to worry about for that specific month. Trips, birthday parties, Thanksgiving\u2014the Month Specific category is a great place to include these. (Oh, and don\u2019t forget to budget for taxes if those don\u2019t automatically come out of your paycheck.)<\/p>\n

Take some time to update your calendar with any renewal or appointment dates. Then look at your calendar when you make your budget! This will help you make sure you\u2019re not forgetting any annual expenses\u2014like car tag renewals or your Amazon Prime membership. (If you\u2019ve got a budgeting app, like EveryDollar, you can always peek back at last year before you make each monthly budget!)<\/p>\n

And let\u2019s face it, things will pop up throughout the month that you didn\u2019t think to budget for. That\u2019s why you need a miscellaneous budget line! It\u2019ll keep those unexpected expenses from sending you into panic mode. But if a certain expense keeps falling here, it\u2019s time to give it a special budget line all its own.<\/p>\n

48. Taxes<\/p>\n

49. Holidays and special occasions<\/p>\n

50. Gifts<\/p>\n

51. Miscellaneous<\/p>\n

How to Budget for Your Monthly Expenses<\/h2>\n

Okay, so you know what budget categories to include and what monthly expenses to expect. Now you need to know how to\u00a0create your monthly budget!<\/p>\n

Step 1:<\/strong>\u00a0Write down all your income in a typical month. (If you have an\u00a0irregular income, put in your lowest estimate. You can bump it up later if you make more!)<\/p>\n

Step 2:<\/strong>\u00a0Make a list of all your monthly expenses. (You can always pull up your bank account and take a look at last month\u2019s transactions to get a better idea of what you usually spend.)<\/p>\n

Step 3:<\/strong>\u00a0Subtract your expenses from your income\u2014and that number should equal zero. This method is called\u00a0zero-based budgeting.<\/p>\n

Now, a zero-based budget doesn\u2019t mean you have zero dollars in your bank account. (Keep a little buffer of $100\u2013300 in there.) It also doesn\u2019t mean you\u00a0spend\u00a0<\/em>everything you make.<\/p>\n

Nope. It simply means you\u2019re giving\u00a0all your money<\/em>\u00a0a job to do. It means you plan how you give, save, spend and invest\u00a0all of your income. This way you never get to the end of the month and\u00a0wonder\u00a0where all your money went\u2014because you told it exactly where to go.<\/p>\n

When you budget,\u00a0you<\/em>\u00a0are in control of where every single dollar goes. This gives you confidence that you\u2019re spending and saving\u00a0well.<\/em>\u00a0\u00a0<\/p>\n

That\u2019s why we made the EveryDollar budgeting app! EveryDollar helps you find extra margin every month so you can start making real money progress, really fast.<\/p>\n

Just download the app, answer a few questions, and we\u2019ll build you a personalized plan, based on your situation, to free up margin and make the most of every dollar. Every day. (See where we got the name?)<\/p>\n

Get started with EveryDollar for free right now!<\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

If you regularly make a monthly budget (or you\u2019re ready to start), that\u2019s awesome. I mean it! Budgeting is the first step to taking control of your money, and you\u2019re taking that step. But maybe you\u2019re wondering if you\u2019ve got everything you need\u00a0in your budget. Here\u2019s something that will help: a list of budget categories<\/p>\n","protected":false},"author":1,"featured_media":24206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24205","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nMonthly Expenses to Include in Your Budget | The Funds Pros<\/title>\n<meta name=\"description\" content=\"If you regularly make a monthly budget (or you\u2019re ready to start), that\u2019s awesome. I mean it! 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