Hello all!
My wife and I are sitting down this week to renovate our budgeting process. She's very frugal compared to the average person but isn't an all out mustachian (yet) and won't want to track everything quite as thoroughly as I do. With that in mind, my plan is to set up our budget with categories (ex: utilities) and subcategories (ex: gas, electric, etc.) so that she can see the big picture and I can dig into the details to see where we can make improvements.
My current plan is below but I'm looking for suggestions on how to improve it. What would you change? Any and all thoughts appreciated!
Rent:
Utilities: Internet, Gas, Electric, Cell Phones
Insurance: Health, Dental, Car, Renters
Travel: Gas, Vacations, Parking
Food: Groceries, Restaurants, Bars
Personal Spending Toiletries, Clothes, Books, Personal Enrichment (online classes, pass for lap pool, etc.)