Non-discretionary Expenses: Loan payment, Rent, Mortgage, Property,School, County, City Taxes, Car Insurance, Homeowner's Insurance, Life Insurance, Internet for school/work, Clothing, Toiletries, Electric, Phone (basic plan), Water, Heat, Gasoline if you have a car, Car payment (if you have a car), Food, Repairs (car/home), Medical bills, Credit card payment, Discretionary Expenses: Cable, Savings, Investments (stock market/retirement), Charity, Pets, Monthly pay off of credit card, Haircuts, Beauty supplies , Nails, Eating out, Movies, Streaming apps (Netflix, Prime, etc.), Gaming apps, Snacks, Gifts for friends and relatives, Remodeling , Furniture, Designer clothes, Vacations/travel for pleasure, Big box store membership (BJ,Costco),

Understanding Expenses AFAP2

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