Miscellaneous Debt (furniture, electronics etc).Include the monthly minimum payment for all debts, unless you are able to pay more than the minimum. To make sure you properly allocate enough funds in this category break out what food you realistically will need to purchase. We all need food and this tends to be a budget category that many people struggle with. But there are unique costs our pets incur that you will need to include in your budget. We love them and treat them as another member of our families. Car maintenance- oil changes, tires etc/.Public transportation fare (subway, bus or train).If you are behind on utility payments, this should be one of the first late bills (after housing) you should work towards getting current on.īeyond just paying for gas for your car, there are additional transportation costs you may need to consider. These are typically what we consider essential budget items, so don’t leave them off your list. Beyond any tuition or daycare costs, don’t forget to include any required registration fees for the upcoming school year. This can also be another big category for many families.
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