Twenty percent for saving and investing.If you contribute to an IRA or other self-funded retirement plan, add in those amounts. This bucket wouldn't include money going into employer-sponsored retirement savings plans because your employer already deducts those from your paycheck. Periodic expenses like travel, haircuts and gifts are also in this category, so estimate their monthly costs and add them in. ![]() If you owe money on credit cards, personal loans or student loans, include those minimum payments here, too. This includes expenses like mortgage or rent, utilities, transportation, insurance premiums, food, clothing and entertainment.
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