If you want to reach your financial goals you may need to make sacrifices in some of the other categories to have enough in the budget for savings.īe sure to include any debt payments in your budget. Savings is an important part of the budget. Be sure to leave some room in the budget for these activities. It’s important to have fun too! These subcategories will really depend on your interests and what you like to do for entertainment. I’m also including charitable donations here. It’s also a good idea to be saving for Christmas gifts throughout the year. These gift expenses will probably fluctuate from month-to-month, so my suggestion is to budget for an average and set aside anything that is extra until you need it. This is a budget category that is easy to overlook, but the amount that you spend on gifts throughout the year adds up. Use the subcategories that are relevant to you, and add any others that are needed. This is another category, like “household”, that is kind of a catch-all. This could be for your own education, or for your kids.
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