40+ Variable and Non-Monthly Expenses You Might Want in Your Budget
If you’re building out a budget for the first time and you’re being your best responsible self, you know the importance of taking those big non-monthly expenses/variable expenses/True expenses what-have-you and break them into monthly chunks.
Here’s a list of potential categories to consider.
- Water bill
- Trash service
- Gas bill
- Transportation costs (gas, bus pass, tolls, parking)
- Auto maintenance (oil changes, new tires)
- Car registration (license, tab renewal)
- Auto insurance
- Home maintenance (new roof, new hot water heater, new dryer)
- Renter/home insurance
- Health care (dental, eye care, therapy, doctor, medical deductible, etc.)
- Clothing
- Gifts (birthdays, anniversary, graduation, wedding, baby)
- Charitable giving (tithing, spontaneous donations, etc.)
- Computer/phone replacement
- Software subscriptions (Adobe, iCloud, Squarespace, gaming service, etc.)
- Entertainment subscriptions (Netflix, Hulu, Spotify, etc.)
- Vacation
- Gym membership/fitness
- Education
- Gaming
- Christmas
- Other Holidays (Fourth of July fireworks, Halloween candy, Mother’s Day brunch)
- Hosting
- Dates
- Beauty (hair cuts, makeup, nails, etc.)
- Property taxes (if they’re not rolled into a mortgage)
- Movies
- Phone bill
- Life insurance
- Warehouse membership (Costco, Sam’s club, Amazon Prime, etc.)
- Credit card fee (some cards have yearly costs)
- House decor
- Banking (interest owed or fees)
- Household goods
- Pet care
- Child care
- Kids’ Activities (piano lessons, summer camp, etc.)
- Kids’ Sports (travel soccer, lessons, cleats, etc.)
- School fees
- Braces
- Weddings (for yourself or others)
- Taxes
- Lawn care
- Stuff I forgot to budget for (there’s always going to be something…)
Did we forget anything? Let us know in the comments!
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