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.
It is easy to create a budget for your personal finances, but it is not as easy to always stick with it. For that reason, it might take you a few months before the total you are actually spending matches up with the recommended amount from your budget. This is okay if you are not in debt because there is no rush. However, if you have creditors calling your home at all hours of the day, it might be within your best interest to meet with a debt relief counselor or to schedule and appointment with your financial advisor.