*If you haven't already, please read the review of YNAB in the Reviews/Recommendations category* Below you will find the categories I use in YNAB to budget my expenses. You don't need to use YNAB to find these categories useful - you can create your own manual budget. CATEGORIES: Available for Next Month's Spending (Heading) Debt: - Car Loan - Store Credit (Heading) Credit Card Payments: - Credit Card 1 - Credit Card 2 (Heading) Bills: - Car Tax - Bank Fees - Car Insurance (pre-save to pay annually and save ££) - Charity Donations - Dentist (pre-save so there is always some available) - Dog Licence - Electric - Gas - Home Insurance (pre-save to pay annually and save ££) - Internet - Mobiles - Mortgage/Rent - Pet Insurance (Heading) Subscriptions (Monthly): - Grocery Delivery Service - Doorbell - Music Subscription Service (Heading) Subscriptions (Yearly): - TV Subscription - App Fees (Heading) Frequent Expenses: - Groceries - Parking - School Fees - Public Transport (Heading) Other Expenses: - Boiler Service (pre-save so there is always some available) - Car Maintenance (pre-save so there is always some available) - Home Maintenance (pre-save so there is always some available) - Kids Clothing (pre-save so there is always some available) - Vet Fees (Heading) Allowances & Hobbies - Kids Activities - Family Activities - Kids Pocket Money - Entertainment/Nights Out - Personal Allowance (Heading) Savings: - Kids Savings - Personal Savings - Rainy Day Savings (Heading) Gifts: - Birthday Gifts - Christmas Gifts - Other Gifts (Heading) Goals: - Holiday - Bathroom Refurb If you decide to sign up to YNAB, you can use this link which will give you and me a month free.