Needs/Planned Spending: utilities (electricity, gas, & water), groceries, insurance/doctor's visit, gas for the car, internet, phone service (home phone or cell phone), house payment/rent, personal items (shampoo, body wash), Wants/Unplanned: clothes, new shoes, Apple watch, books at Barnes and Noble, paying for emergency room visit (braking your arm), Entertainment: cable/TV, going to movies, travel to the beach, going to the zoo, dining out, Savings: saving for college, buying a car, saving for an PS 5, new laptop, emergencies that may come up,

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