Including all your expenses in your budget

Its important however when you're first setting up your budget to try and account for as many expenses as you can think of.  Its not very much fun when you've allocated all your funds out to all your categories and then you find you forgot to account for some expense that you never thought of.

Below is a great list of several expenses that may apply to you... did you forget any on your list?

Housing

Mortgage

Property Taxes

Condo Fees

Rent

Utilitites

Hydro/Electricity

Natural Gas

Water

Furnace Payments/Rental

Water Heater Payments/Rental

Cable/Satellite TV

Internet

Home Phone

Cellphones

Food

Groceries

Eating Out

Pet Food

Transportation

Car Payments

Car Insurance

Gasoline

Transit Passes

Parking

Vehicle Maintenance

Miscellaneous

Clothing

Gifts

Charity

Household Supplies

Union Dues

Childcare

Debt Repayment

Investment Contributions
Medical

Other

Recreational

Entertainment

Hobby Costs

Club Dues

Sports Dues

Fitness Membership Dues

Savings

Emergency Fund

Vacation

New Car

Home Improvement/Maintenance

Large Items (furniture, electronics, etc.)