- Survival: necessary expenses such as accommodation, groceries, medical, etc. - Culture: costs incurred by cultural activities, such as reading, films, theatre, music concerts, etc. - Optional: things you don't need but choose to do, such as restaurants, shopping, having drinks with friends - Extra:
unanticipated expenses like birthday cars, repairs, replacements
And let's not forget about
those unanticipated expenses like increased energy costs, new appliances, homeowner's association fees, or simply the cost to keep your yard looking nice.