How to set up your own categories
1
Start with three groups
Use fixed, variable, and savings as your first categories. Then break each into more detail if you need it.
2
Be honest about needs
List all must-pay bills first—then other regular costs, and add extras that pop up sometimes.
3
Review and adjust often
Check your groups every month. Move items around if you spot changes in your spending.
4
Keep it simple to track
Fewer, clearer categories mean less stress when reviewing your budget at the end of each
month.