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What categories am I missing in my Budget?
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What categories am I missing in my Budget? - July 17, 2013, 11:55 AM

What am I missing? Particularly non discretionary things. Couple big ones I added recently were Life Insurance, and my IRA. I had forgotten about both of those. What else did I miss?

Alcohol
Amazon (household stuff)
Auto - gas, detailing, tags, registration
EZPass
Auto Insurance
Baby Daycare
Baby Expenses
Clothing
Dining
Donation
Entertainment
Gifts
Golf
Groceries
Gym
Health/Fitness
Household
Home insurance
Life Insurance
IRA
Wifes shopping
Medical Copays
Parking
Pets
Rent/Mortgage
Savings
Travel
Utilities - Cable, Gas, Elec, Tele
Vacation
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July 17, 2013, 12:00 PM

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July 17, 2013, 12:04 PM

auto maintenance


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July 17, 2013, 12:14 PM

lap dances
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July 17, 2013, 12:19 PM

secret savings account


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July 17, 2013, 12:21 PM

Xbox live/PS+/Netflix/hulu/subscriptions could fall into Entertainment I guess, but don't forget about them


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July 17, 2013, 12:22 PM

A couple things that may or may not apply:

- HOA Fees (either monthly, quarterly, or yearly)

- add the water bill to your utilities line item


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July 17, 2013, 12:42 PM

I don't do budgets. I'd find it harshes my buzz. However, if I were setting up a budget:

1) I'd separate discretionary expenses out as a separate group and then list the categories you want to track within that as a sub items.

2) You may want to create a group for all tax deductible expenses. It may be simpler to just have a group with sub categories under which you know all items entered are tax deductible. Though you can just flag tax deductible expenses wherever they happen to be if you prefer.

3) Create individual categories as you go. If your basic foundation is good adding sub categories is easy.

Of note I did not see Legal fees, Taxes, or Capital improvements, but they can always be added as you go.


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July 17, 2013, 12:42 PM

An 'Oh Shit' fund for the unexpected costs.
(For baby expenses, not all kids stay on breast milk for long, and formula aint cheap, diapers, the kid will start at about 20-25 a day, and cost 25-30 cents each.)


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July 17, 2013, 12:45 PM

Quote:
Originally Posted by zx6rfool View Post
An 'Oh Shit' fund for the unexpected costs.
(For baby expenses, not all kids stay on breast milk for long, and formula aint cheap, diapers, the kid will start at about 20-25 a day, and cost 25-30 cents each.)
formula we figured was $20/week etc.


Whatever your drinking fund is...double it, NO I'm not joking!
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July 17, 2013, 12:52 PM

Oh, and "Amazon" is not a valid expense category. You can always search for payments to amazon if you want to know how much money you spent with them but it shouldn't be an expense category. You could buy parts for your car, food, clothing, electronics, furniture, etc all from amazon.


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Derpetologist
 
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July 17, 2013, 12:59 PM

Car / motorcycle maintenance & repairs


Some redundancy, I.e gym and health/fitness. Travel and vacation.


*Not intended to be a factual statement.
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July 17, 2013, 01:05 PM

Quote:
Originally Posted by windblown View Post
Oh, and "Amazon" is not a valid expense category. You can always search for payments to amazon if you want to know how much money you spent with them but it shouldn't be an expense category. You could buy parts for your car, food, clothing, electronics, furniture, etc all from amazon.
lol, totally agree. but didn't feel like searching through the shitload of purchases my wife has made there to figure out the household items vs the items that were just her shpping for stuff. So i just left it. Your point is well taken though.
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July 17, 2013, 01:05 PM

Quote:
Originally Posted by Speed3 View Post
formula we figured was $20/week etc.


Whatever your drinking fund is...double it, NO I'm not joking!
Double the drinking fund. Done.
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July 17, 2013, 02:33 PM

The biggest problem with budgets in a marriage is getting both parties on the same page. Especially when money starts to get tight, which always happens when you start complicating things with kids, house, etc. You may have very different ideas of what is essential. I don't see a category for mani-pedi's for instance. Or hair dressing (Those highlights ain't cheap!). Bottom line is you don't want to play the "where is your money going?" game because she wanted something she thought you might not agree was "in the budget".

If your lady is as concerned and diligent as you are about finances, you are in good shape. Just remember she needs some discretionary funds too.


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