Credit Card Payments Immediate Obligations Groceries Auto Insurance Cell Phones Car Fuel / Transportation costs Rent/Mortgage Homeowners/Renters Insurance Medical Insurance Electric & Municipal Utilities Residential Gas Internet Interest & Fees Groceries after the 15th Intermittent Expenses Medical - expenses Auto Maintenance Veterinarian Dog Boarding & Grooming Landscaping Clothing Gifts Household Personal Care Software Subscriptions Stuff I Forgot to Budget For Annual Expenses Renovations Off-season Produce Bulk Meat Purchasing Local Pool Membership Accounting Fees Just for Fun Dining Out Dining Out after the 15th Fun Money Quality of Life Goals Emergency Vacation New Vehicles Child's Allowance Debt Payments Student Loan Auto Loan