40+ Variable and Non-Monthly Expenses You Might Want in Your Budget


If you’re building out a budget for the first time and you’re being your best responsible self, you know the importance of taking those big non-monthly expenses/variable expenses/True expenses what-have-you and break them into monthly chunks.

Here’s a list of potential categories to consider.

  1. Water bill
  2. Trash service
  3. Gas bill
  4. Transportation costs (gas, bus pass, tolls, parking)
  5. Auto maintenance (oil changes, new tires)
  6. Car registration (license, tab renewal)
  7. Auto insurance
  8. Home maintenance (new roof, new hot water heater, new dryer)
  9. Renter/home insurance
  10. Health care (dental, eye care, therapy, doctor, medical deductible, etc.)
  11. Clothing
  12. Gifts (birthdays, anniversary, graduation, wedding, baby)
  13. Charitable giving (tithing, spontaneous donations, etc.)
  14. Computer/phone replacement
  15. Software subscriptions (Adobe, iCloud, Squarespace, gaming service, etc.)
  16. Entertainment subscriptions (Netflix, Hulu, Spotify, etc.)
  17. Vacation
  18. Gym membership/fitness
  19. Education
  20. Gaming
  21. Christmas
  22. Other Holidays (Fourth of July fireworks, Halloween candy, Mother’s Day brunch)
  23. Hosting
  24. Dates
  25. Beauty (hair cuts, makeup, nails, etc.)
  26. Property taxes (if they’re not rolled into a mortgage)
  27. Movies
  28. Phone bill
  29. Life insurance
  30. Warehouse membership (Costco, Sam’s club, Amazon Prime, etc.)
  31. Credit card fee (some cards have yearly costs)
  32. House decor
  33. Banking (interest owed or fees)
  34. Household goods
  35. Pet care
  36. Child care
  37. Kids’ Activities (piano lessons, summer camp, etc.)
  38. Kids’ Sports (travel soccer, lessons, cleats, etc.)
  39. School fees
  40. Braces
  41. Weddings (for yourself or others)
  42. Taxes
  43. Lawn care
  44. Stuff I forgot to budget for (there’s always going to be something…)

Did we forget anything? Let us know in the comments!

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