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.
If you are on a budget or looking to get on one, tracking your finances plays a major role in how successful your budget will be. A personal finance spreadsheet is a great way to keep track of your income and expenses. By using a Microsoft Excel spreadsheet or a Google docs spreadsheet you can easily see exactly how much you are spending and how much you are saving each month.