I have fairly major medical issues, so have to constantly plan for worst case scenarios. Also I have memory and comprehension problems so I had to make things easy to see at a glance, which means spelling things out very explicitly (more categories).
"->" means that I let the money accrue in that category. Otherwise I zero it out at the end of the month.
Deferred income ->
Regular monthly bills
Rent
Internet
Electricity/Gas
Storage
Household expenses
Groceries - non-perishables
Groceries - perishables
Laundry
Toiletries/housecleaning supplies
Variable irregular expenses
Office supplies ->
Clothes -> (goal stated)
House (furniture, shower curtains, etc) ->
Overflow/fun
Pin ->
Regular longterm expenses
Air purifier filter ($2/month, $200 over 7 years) ->
Renters insurance ($18.25/month, $219/year) ->
Amazon Prime ($8.25/month, $99/yr ->
AMEX fee ($6.25, $75/year) ->
Gifts
Christmas (goal yearly amount stated) ->
Gifts (non-holiday) ->
Birthdays (goal yearly amount stated) ->
Super/porter holiday tip (goal stated) ->
Medical
Caregivers (emergencies)
Craigslist (to advertise for caregivers)
OTC meds
Doc visits
Supplements ->
Etc
Savings
taxes (goal amount stated) ->
new air purifier (goal amount stated) ->
curveball fund (goal amount state) ->
Emergency (don't touch)
6 months physical therapy (in case insurance poops out) ->
6 months business buffer ->
6 months essential living expenses ->
buffer ->
emergency cash for wallet ->
Business Income (I always make this master category total equal zero)
Income (positive number)
Withdrawal to Expenses (negative number equal to total of Business Expenses master category)
Withdrawal to Salary (negative number, usually whatever is left after I've taken the money out for my business expenses)
Transfer to/from emergency fund (negative number)
Deferred business income
Deferred income
Business Expenses
Buffer (goal amount stated) ->
IRWE Attendant Care Services (goal amount stated) ->
Repairs and Maintenance (goal amount stated) ->
Insurance Expenses (goal amount stated) ->
Advertising and promotion (goal amount stated) ->
Office supplies (goal amount stated) ->
Supplies (goal amount stated) ->
Professional research (goal amount stated) ->
Any wisdom and critique of course welcome. Hope this gives people ideas as well.