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List of Items to Include in Your Household Budget

These Items Should Be Included in Any Household or Family Budget

Sometimes thinking about and identifying your expenses is the hardest part of putting together your household budget.  We've listed some of the most common monthly and annual expenses to help you make your own budget expense sheet.  When you've finished your list of budget expenses, be sure and add them to our free family budget worksheet.

Monthly and Annual Family Budget Expenses:

  • Mortgage payment
  • Rent
  • Property taxes
  • Association dues
  • Car payments - how to save on your car
  • Boat payments
  • Health insurance premiums - save on health insurance
  • Homeowners insurance
  • Auto insurance
  • Life insurance
  • Boat, pet, motorcycle or any other insurance
  • Gas bills
  • Electric bills - how to save on energy
  • Water and sewer bills
  • Alimony or child support payments
  • Tuition payments
  • Medical prescriptions
  • Phone bills
  • Mobile phone and data plans
  • Internet access
  • Monthly clothing costs - How to save on clothing
  • Monthly dining costs
  • Grocery bills - how to save on food
  • Gas expenses - how to save on gas
  • Vacation expenses - how to save on vacation
  • Hair cuts, waxing, manicure, pedicures
  • Pet expenses
  • Cleaning expenses - how to save on cleaning
  • Cable, satellite, and other TV costs - how to save on TV
  • Other travel expenses - buses, taxis, parking
  • Home maintenance costs
  • Car maintenance costs (oil, routine maintenance, tires)
  • Gifts (birthdays, holidays, wedding, babies, etc.)
  • Impulse buys
  • Entertainment costs (drinks, movies, shows, zoos, etc.)

See Also:  Advice on Household Budgets