Now, you need to go ahead and total these items. You are on the right track if you spend less than you make. This gives you extra money each month. Now, if you are indebted to the credit card companies, you want to take this extra money and apply it towards paying off your total owed. If you are not in debt, you can go ahead and squeeze a few unnecessary purchases into your personal finances budget, but there are still benefits to saving the money.
Rent or mortgage, homeowners insurance or renters insurance, all utility bills, auto loan or auto insurance payments, gas for your vehicle, food for home, and so forth. Once again, these are items that you cannot live without.