This post is about how I determined what to budget for each category last year and how I’m planning to change that, if at all.   Here are our budget categories, the average we have spent each month (Jan-Oct) and the budgeted amount (at the beginning of the year- some values have changed) Student Loans: 1,087/685 School expenses: 781/850 Bills: 2,183/2,135 Car: 638/190 Credit Cards: 26/15 Groceries: 401/450 Medical: 25/0 Eating Out: 159/150 Allowance – me: 162/125read more…