I don’t know what to plan for because my last apartment was only rent (utilities included). These are the categories I currently have! Rent, Electricity, Gasoline (car), Car insurance/renters insurance bundle, Groceries/household, Prescriptions/doctor, Phone, Laundry, Savings. I include home WiFi in my phone plan. The apartment is all electric. Is there anything else? Oh! Car maintenance. TIA!
Does your grocery budget also include household items? Subscriptions? Do you have a gym membership? I’d go through your last 3 months of bank statements to see if there are any other recurring expenses.
When I moved into a place that wasn’t all-inclusive, I realized I needed to add water/sewer bills, trash pickup, and any streaming subscriptions. Don’t forget unexpected car repairs.
Thanks! Rent includes parking, water, sewer, and trash, as well as an exterminator every 3 months. I’ll try to use Habit Money for budgeting. If it connects to my bank, it could help with my impulsive spending.
Here are my categories: Rent, Groceries, Essential, Wants, Dog, Car (gas + insurance), Car payment, Utilities, Travel, Debts/Student loans, Savings, Eating out, Subscriptions, and Health (co-pays, dental, prescriptions).