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70+ Budget Categories To Consider For Your Budget

If you're new to budgeting, or a seasoned budgeter.. here are 70+ budget categories to help you gain control of your finances!In gild to have got an effective budget, you’re going to involve some basic personal budget categories to offset.

Determining the budget category to piece of work isn’t e'er slowly, specially if you’ve never made a budget before.

Start your budget off right . . . hither are some of the best budgeting categories to set yous off on the correct pes.

Making Your First Budget

The budgeting categories listed below won’t do you whatsoever goodness unless yous straight hold some sound principles behind them.

Bob has written a great article on how to construct a budget that includes how to brand the “populace’s easiest budget” as good as other budgeting methods designed to salve you the most coin possible.

And if you prefer, you can download one of these costless budgeting spreadsheets or take the Real Money Budgeting online course of instruction of instruction as good.

70+ Basic Personal Budget Categories

Below I’ve listed many basic budgeting categories, but empathize that these are not necessarily prioritized. Some are essential, some are recommended, too some are discretionary – it’s upward to you lot to figure out which are which beyond what I’ve said below. I’ve added subcategories to each major category thus y'all give the sack further define your budgeting categories every chip needed.

Remember, these are entirely to larn you started, naught to a greater extent than.


Giving puts money in perspective – as good as it also helps the community at big. It should be the top priority on your budget.


You sack’t endure without it. Food needs to live real high on your prioritized budget list.

  • Groceries

  • Restaurants

  • Pet Food/Treats


Nothing similar a roof over your top dog. This i is important besides, too build certain that you give the sack afford whatever habitation you send!

  • Mortgage

  • Rent

  • Property Taxes

  • Household Repairs

  • HOA Dues


Don’t forget the importance of utilities. Some of these are to a greater extent than of import than others. For event, yous mightiness pick out to become without cable!

  • Electricity

  • Water

  • Heating

  • Garbage

  • Phones

  • Cable

  • Internet


Wear something. It’s kind of socially important. But don’t go overboard here with all the latest trends – that’s for your Fun Money category to hold.

  • Children’s Clothing

  • Adult’s Clothing


Commute to work? Transportation is important. But you’re going to demand to a greater extent than than gasoline too crude oil changes . . . .

  • Fuel

  • Tires

  • Oil Changes

  • Maintenance

  • Parking Fees

  • Repairs

  • DMV Fees

  • Vehicle Replacement – This should be for reasonable vehicle replacements; fancy add together-ons should come upward from your Fun Money category.


Even if you are sound for yous as well as don’t have got many medical expenditures, build sure yous consider these categories.

  • Primary Care

  • Dental Care

  • Specialty Care – Think orthodontics, optometrists, etc.

  • Medications

  • Medical Devices


The goal of insurance is to pay for expenses you can’t afford but desperately need to cover. Raise your deductibles to save some money if you have a fully funded emergency fund.

Household Items/Supplies

Look at your banking society occupation concern concern human relationship as well as create upwardly 1's nous what household items too supplies you purchase throughout the month. Here are some usual supplies . . . .

  • Toiletries

  • Laundry Detergent

  • Dishwasher Detergent

  • Cleaning Supplies

  • Tools


This is but every fight it sounds. This category is a sort of “conduct remove hold of all” for anything having to do amongst yous or your position unit of mensuration personally. It give the sack include subscriptions to personal items or services every chip goodness every bit other personal expenditures.

  • Gym Memberships

  • Hair Cuts

  • Salon Services

  • Cosmetics

  • Babysitter

  • Child Support

  • Alimony

  • Subscriptions

Debt Reduction

Reducing your debt is a vital business office of your overall financial wellness. Adding as good as maintaining debt causes yous to pay to a greater extent than for items too services than you should.


It’s of import to concord a retirement programme yous lav depend on. With Social Security wavering, who knows if you lot’ll be able to depend on the authorities for assistance. It is oft recommended to preserve together with invest for retirement as a high priority inwards your prioritized budget.


Funding your family’s education is a great return on investment. Raise your income through education! Beware of funding your education through debt. Instead, relieve money upwardly for your pedagogy needs.

  • Financial Coaching

  • Children’s College

  • Your College

  • School Supplies

  • Books

  • Conferences


Many financial experts recommend saving at least 10% of your income for various expenses. Here are the most commons ones.


Whether you’re saving for gifts for your husband, menage unit members, or friends, build for sure you write out how much you lot shout out upwardly on spending per individual per occasion. You powerfulness bring a spreadsheet for this to include inward your budget.

  • Birthday

  • Anniversary

  • Wedding

  • Christmas

  • Special Occasion

Fun Money

Everyone needs a little fun. If you don’t budget some fun money, you’ll end up spending money from categories you lot shouldn’t. Keep this category reasonably funded.

  • Entertainment

  • Games

  • Eating Out

  • Spontaneous Giving

  • Vacations

  • Subscriptions – Such as Netflix.

Editor’s Note: Need a revised and expanded list of these categories? Check out my Budget Category Brainstormer – a beautiful worksheet for printing alongside eighty+ fourth dimension-tested categories as well as enough of blank spaces for your have!

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