| Category | Group |
| Auto | Mandatory |
| Fuel | Mandatory |
| Insurance | Mandatory |
| Registration | Mandatory |
| Service | Mandatory |
| Education | Mandatory |
| Groceries | Mandatory |
| Insurance | Mandatory |
| Homeowners | Mandatory |
| Medical & Dental | Mandatory |
| Life | Mandatory |
| Disability | Mandatory |
| Interest
Expense | Mandatory |
| IRA
Contributions | Mandatory |
| Medical
& Dental | Mandatory |
| Doctor | Mandatory |
| Medicine | Mandatory |
| Hospitals & Labs | Mandatory |
| Mortgage
(or Rent) | Mandatory |
| Property
Tax | Mandatory |
| Repairs
& Maintenance | Mandatory |
| Utilities | Mandatory |
| Cable TV | Mandatory |
| Gas & Electric | Mandatory |
| Telephone | Mandatory |
| Water & Sewer | Mandatory |
| Garbage | Mandatory |
| | |
| Charity | Discretionary |
| Clothing | Discretionary |
| Dining | Discretionary |
| Dues
& Subscriptions | Discretionary |
| Entertainment
& Recreation | Discretionary |
| Gifts
Given | Discretionary |
| Hair
& Beauty | Discretionary |
| Household
Expenses | Discretionary |
| Legal
& Professional Fees | Discretionary |
| Vacation | Discretionary |
Note: Indented items do
not have to be separate categories, rather gives you an idea of what is included in that category.