Community template
Full Breakdown: required vs discretionary spending
Matt from Toronto separates Required Spending and Fixed Spending from Discretionary Spending and Luxuries, so it is clear which costs could flex. Refunds, reimbursements and tax refunds are grouped under Good Things.
- 5 groups
- 14 categories
- 42 subcategories
- Detailed (40–79)
- Solo / single
- Salaried employee
- Self-employed
All 61 categories in Full Breakdown
Discretionary Spending
- Cash Withdraw
- Donation
- Dragonboat
- Food
- Furniture
- Gas, Transportation
- Gifts
- Home Stuff
- Life Insurance
- Personal Care
- Physio
- Printful
- Self-improvement
- Shopping
- Tech
- Wrk'n Progress
Fixed Spending
- Car Insurance
- Condo Insurance
- Condo Maintenance
- Electricity
- Mortgage
- Phone
Good Things Income
- Income Income
- Other Income Income
- Refund Income
- Reimbursement Income
- Tax Refund Income
Luxuries
- Charity
- Clothing
- Custom Apparel
- Electronics
- Entertainment
- Gaming
- Gym
- Ridesharing
- Spotify
- Tech Gadgets
- Travel
Required Spending
- Car
- Cat
- Groceries
- Property Tax
Other spending categories
- Taxes
- Credit Card Fee
- Education
- Legal
- Rent
- Work
Income categories
- Condo - Legal Income Excluded from budget Excluded from totals
Transfers and excluded categories
- Savings Excluded from budget Excluded from totals
- Account to Account Excluded from budget Excluded from totals
- Bank Fees Excluded from budget
- Credit Payment Excluded from budget Excluded from totals
- Mortgage - Lump Sum Excluded from totals
- Other Excluded from budget
- 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.
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