1. Budgeting You Need to Plan to Meet Your Expenses

2. Housing  House Payment:  Apartment:  Property Tax:  Insurance:  Maintenance: Varies  Renter Insurance: 500 to 1500 400 to 1000 1000/100,000 500 to 1000 250

3. Utilities  Electricity:  Gas/Heat:  Garbage/Recycling  Water and Sewer fees 50 to 130

4. Telephone  Cell Phone  Internet /Text Plans  Home Phone

5. TV/Internet  Antenna:  Cable:  Basic:  Extended Basic:  Movie Channels:  Satellite TV  DSL/Cable Modem:  Dial Up: 30 50 70 to 90+ 30 to 70 10 to 25 Free

6. Media Purchases  Newspaper: 10  Magazines for Fun:  Professional Magazines:  Music:  Movies:  Concerts:

7. Charity and Memberships  Charity or Religious  Union Dues  Professional

8. Transportation  Car Payment:  Rail Pass/Bus Pass/Cab Fair: 200  Car Insurance: 1500 to 3000  Gasoline: 60 to 100+  Car Maintenance: 200 to 1000

9. Food  Groceries:  Includes Household Products  Linens/Towels  Eating Out: 200 to 350 15 to 20 per time

10. Health Insurance  Medical:  Dental:  Vision:  Disability:  Life:  Liability Insurance: 50+ 10+ 10+ 250 to 500

11. Pets  Food  Small to Medium Pet: 25 to 50  Big Dog: 80  Vet: 300 to 400  Toys: 0 to 150+

12. Vacations  Airfare  Other  Hotel  Food  Transportation  Vacation Souvenir Money

13. Clothing  Dress:  Work:  Casual:  Min. 700 for All  Min. 300 for Work

14. Furniture  Includes Electronics & Appliances  Rental  Purchase  Min. 1000

15. Gifts  Significant Other/Dating  Family  Friends

16. Education  Continuing Education  Student Loans  Private Lessons  Gym Membership/Classes

17. Savings  Short Term  Long Term  Minimum 50 to 100

18. Other Entertainment/Activities  Grooming  Hobbies:  Other:  Impulse Food/Purchases  Clubbing/Cover Charge  Other Vices