15 Categories You Should Have In Your Budget

Source: katleho Seisa / Getty
Basic utilities
These are the utilities you need to live, like your water and power bills. Really think about your usage. If you have a water heater inside of your home, think about that cost. Your thermostat usage. Your dishwasher. Your washer and dryer. People often underestimate what these utilities will cost, and wonder where the savings went.