Work Wardrobe and Upkeepĭoes your workplace require that you wear a suit and nice shoes? Then budget for the cost of replacement items as they wear out and also budget for the cost of dry cleaning and shoe repair. Household cleaners, repairs or replacement for damaged appliances, and furniture cleaning can all be expensive as well, and you should remember to budget for these. If you hire cleaners to clean your apartment once a month, or take your car to the carwash, be sure to include these costs in your budget. Household maintenance is an inevitable living expense. Irregular expenses can sometimes shred your monthly budget, so try and set aside money for them even if it’s only a one-time thing. If you learn about an impending expense (like a wedding) you won’t be caught off guard. It’s difficult to budget for one-off expenses because you won’t know about them in advance, but you should always have some money set aside for them. You should try and total these costs and include them in your budget. But these costs can add up substantially over the course of a year. It might not seem like you’re spending a lot of money on your daily latte from your favorite cafe, or a drink after work. The majority of your budget should be put toward groceries, which will save you money long-term. Don’t fall into this temptation instead, add food costs to your budget, and set aside a fixed amount for eating out. If you’ve moved out and have a new job, you might get carried away going to new restaurants and ordering appetizers, dinner, and drinks on a regular basis. Food and Groceriesįood can be a pretty big expense if you don’t budget wisely. It’s such a big item, it might even be easy to forget! But be sure that you are allocating a portion of your monthly income to paying rent and other associated living expenses, like water, electricity, and heating or air conditioning. The first and biggest fixed expense to consider is your rent or mortgage payment. Some of these 20 budget items might not apply to you, but they are all things that are frequently overlooked by those who are budgeting. Here are 20 common things to include in a budget: However, if you’re using a more nuanced formula, as you might with this online budget calculator, there are plenty of other small budget items that are all-too-easy to forget about.
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