Community template
Lifestyle budget categories: every group is a lever
This community member structures categories like a P&L, where each major group is a lever on the direction of your life. Fixed costs like Home, Admin and Transport sit beside discretionary groups such as Fitness, Health and Vices.
- 14 groups
- 88 subcategories
- Comprehensive (80+)
- Solo / single
- Couple / household
- Salaried employee
- Frequent traveler
In their words
Structured like a P&L would be. Each major Category represents a lever in the direction of your life, the detailed spend within tells the story.
If you invest more dollars in the Health category and fewer dollars in the Vices category, you can expect an uptrend in Health.
There are Fixed or Non-Discretionary cost buckets like Home, Admin, Transport.
The rest are more Discretionary lifestyle choices.... do you spend more on Restaurants in the Food bucket, or do you buy bulk groceries to save and instead put dollars into Travel & Entertainment bucket?
All 102 categories in Community category setup
Income Income
- Paycheck Income
- Bonus Income
- Tax Return Income
- Interest Income Income
- Rental Income Income
- Reimbursement Income
- Other Income Income
Home
- Mortgage & Rent
- Internet
- Utilities
- Home Insurance
Travel & Entertainment
- Concerts & Festivals
- Vacation
- Air & Rail
- Hotel
- Rental Car
- Entertainment
Food
- Restaurants
- Groceries
- Fast Food
- Food Delivery
- Pharmacy
- Bakeries
- Coffee Shops
Shopping
- Television
- Video Games
- Clothing
- General Shopping
- Furnishings
- Hair & Laundry
- Subscriptions & Electronics
- Home Improvement
Fitness
- Fitness Devices
- Golf
- Gym
- Personal Trainer
- Snow Sports
- Basketball League
- Basketball Training
- Supplements
- Weights
Health
- Psychologist
- Dentist
- Massage
- Physio
- Chiropractor
- Orthotics
- Eyecare
- Doctor
- Dermatologist
- Health Insurance
Transport
- Car Payment
- Parking & Toll
- Car Insurance
- Gas & Fuel
- Public Transport
- Taxi
- Service & Parts
Admin
- Police
- Mobile Phone
- Bank Fee
- Business Services
- Education
- Loan Interest Expense
Gifts
- Pet
- Charity
- Gift
- Gift (family)
- Gift (friends)
- Gift (girlfriend)
- Gift (work)
Vices
- Alcohol & Bars
- LCBO & Beer Store
- Drugs
- Nicotine
Investments group Excluded from budget Excluded from totals
- Buy Excluded from budget Excluded from totals
- Deposit Excluded from budget Excluded from totals
- Dividend & Cap Gains Excluded from budget Excluded from totals
- Investments Excluded from budget Excluded from totals
Loans Excluded from budget Excluded from totals
- Loan Payment Excluded from budget Excluded from totals
- Loan Principal Excluded from budget Excluded from totals
Exclude Excluded from budget Excluded from totals
- Cash & ATM Excluded from budget Excluded from totals
- Check Excluded from budget Excluded from totals
- Credit Card Payment Excluded from budget Excluded from totals
- Hide from Budgets & Trends Excluded from budget Excluded from totals
- Transfer Excluded from budget Excluded from totals
- Transfer for Cash Spending Excluded from budget Excluded from totals
- Transfer for Shared Rent 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.
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