Community template
Art's setup: goals, fixed, variable and true expenses
Art from the Netherlands sorts everything into four buckets: Goals such as savings and charity, Fixed obligations, Variable monthly spending, and True expenses that are occasional but sure to happen, like presents, taxes and vacation.
- 4 groups
- 3 categories
- 37 subcategories
- Detailed (40–79)
- Family with kids
- Salaried employee
In their words
Idea is to have four categories
🎯 Goals (things you want to spend money on: savings, charity,...)
🧾 Fixed (more or less fixed spends/obligations: rent, lease, utilites)
🎛️ Variables (rest of usual monthly spends: food, events, hobbies)
🧰 True expenses (occasional but sure to happen: presents, taxes, vacation)
All 44 categories in Art's setup
Goals
- Emergency
- Savings
- charity
Fixed
- Transportation lease
- Software (Essential)
- Rent, Mortgage
- Utilities / Electricity
- Utilities / Internet
- Utilities / Phone
- Utilities / Water
Variable
- beauty
- Entertainment / Gaming
- Hobby/Sport / 3D printing
- Hobby/Sport / Drawing/arts
- Hobby/Sport / Field hockey
- Hobby/Sport / Freerun
- Hobby/Sport / GYM
- Hobby/Sport / Paardrijden
- pleasure (SPA)
- Transportation / Parkings
- Education / taal
- Food & Drinks / Eating out
- Food & Drinks / Groceries
- Entertainment / Events
- Entertainment / Streaming Services
- Transportation / Public Transit
- Transportation / Carsharing
- Shopping / Clothing
- Shopping / Electronics
- Shopping / Home Goods
- Kids tutors
True expenses
- fees, taxes, fines
- Fix ASAP (forgotten subs)
- presents
- Software (Annual/Non-essential)
- Therapy
- Vacation
Other spending categories
- Business
Income categories
- Income Income
Transfers and excluded categories
- Payment, Transfer Excluded from budget Excluded from totals
How to use this template in Lunch Money
Click Copy entire setup at the top of this page, then paste it into Lunch Money as a preset. See the import steps.
Want only part of it? Mix and match categories in the library to build your own template.
