What expenses should I include in my budget?

When creating a budget, it's important to include all of your expenses, including both fixed and variable expenses. Here are some common expenses to consider:

Housing expenses (rent/mortgage, utilities, property taxes, home insurance, repairs/maintenance)
Transportation expenses (car payments, gas, insurance, maintenance/repairs, public transportation)
Food expenses (groceries, dining out)
Debt payments (credit cards, loans, etc.)
Insurance (health, life, disability, etc.)
Personal expenses (clothing, grooming, entertainment)
Childcare and education expenses (tuition, daycare, afterschool programs)
Medical and healthcare expenses (doctor visits, prescriptions, copays)
Savings and investments (emergency fund, retirement accounts, college savings)
Remember, every individual has different expenses, and your budget should be personalized to your unique situation.