Standing Ledger
Sign InExpenses
Monthly spending breakdown
Total Monthly
$7,208
Fixed Expenses
$3,445
Recurring, predictable
Variable Expenses
$3,763
Fluctuates month-to-month
Essential
$6,048
Non-discretionary
Spending by Category
All Expenses
| Expense | Owner | Category | Amount | Frequency | Monthly | Type | Data Source | |
|---|---|---|---|---|---|---|---|---|
| HOA Fees | Joint | housing | $210 | monthly | $210 | FixedEssential | Manual Entry | |
| Property Taxes | Joint | housing | $5,850 | annually | $488 | FixedEssential | Manual Entry | |
| Home Maintenance | Joint | housing | $320 | monthly | $320 | VariableEssential | Manual Entry | |
| Electricity | Joint | utilities | $148 | monthly | $148 | VariableEssential | Manual Entry | |
| Natural Gas | Joint | utilities | $72 | monthly | $72 | VariableEssential | Manual Entry | |
| Water & Sewer | Joint | utilities | $60 | monthly | $60 | VariableEssential | Manual Entry | |
| Internet — Xfinity Gigabit | Joint | utilities | $80 | monthly | $80 | FixedEssential | Manual Entry | |
| Cell Phones (2 lines) — T-Mobile | Joint | utilities | $100 | monthly | $100 | FixedEssential | Manual Entry | |
| Groceries | Joint | food | $1,100 | monthly | $1,100 | VariableEssential | Manual Entry | |
| Dining Out & Takeout | Joint | food | $420 | monthly | $420 | Variable | Manual Entry | |
| Gas & Fuel (2 vehicles) | Joint | transport | $230 | monthly | $230 | VariableEssential | Manual Entry | |
| Auto Insurance (2 vehicles) — Progressive | Joint | insurance | $2,760 | annually | $230 | FixedEssential | Manual Entry | |
| Vehicle Registration & Fees | Joint | transport | $480 | annually | $40 | FixedEssential | Manual Entry | |
| Daycare — Lily (age 3) | Joint | education | $1,380 | monthly | $1,380 | FixedEssential | Manual Entry | |
| After-school & Activities — Owen (age 7) | Joint | education | $310 | monthly | $310 | VariableEssential | Manual Entry | |
| School Supplies & Kids Clothing | Joint | education | $120 | monthly | $120 | VariableEssential | Manual Entry | |
| Health Insurance Premium (family) — BCBS | Jake | healthcare | $510 | monthly | $510 | FixedEssential | Manual Entry | |
| Dental & Vision Insurance | Joint | healthcare | $72 | monthly | $72 | FixedEssential | Manual Entry | |
| Medical Copays & Prescriptions | Joint | healthcare | $138 | monthly | $138 | VariableEssential | Manual Entry | |
| Vet & Pet Insurance — Biscuit | Joint | healthcare | $105 | monthly | $105 | VariableEssential | Manual Entry | |
| Homeowner's Insurance | Joint | insurance | $1,680 | annually | $140 | FixedEssential | Manual Entry | |
| Term Life Insurance — Jake ($750k) | Jake | insurance | $480 | annually | $40 | FixedEssential | Manual Entry | |
| Term Life Insurance — Sarah ($500k) | Sarah | insurance | $360 | annually | $30 | FixedEssential | Manual Entry | |
| Umbrella Liability Policy | Joint | insurance | $240 | annually | $20 | FixedEssential | Manual Entry | |
| Streaming (Netflix + Disney+ + Spotify) | Joint | entertainment | $54 | monthly | $54 | Fixed | Manual Entry | |
| Family Outings & Events | Joint | entertainment | $290 | monthly | $290 | Variable | Manual Entry | |
| Gym Memberships (Jake + Sarah) | Joint | entertainment | $51 | monthly | $51 | Fixed | Manual Entry | |
| Clothing — Adults | Joint | personal | $140 | monthly | $140 | Variable | Manual Entry | |
| Personal Care & Hair | Joint | personal | $110 | monthly | $110 | Variable | Manual Entry | |
| Amazon & Household Supplies | Joint | personal | $95 | monthly | $95 | Variable | Manual Entry | |
| Dog Food & Supplies — Biscuit | Joint | personal | $105 | monthly | $105 | VariableEssential | Manual Entry |