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19.11.2013 in Budgeting by Lena Gott 1

Household Expenses List

This week, I’m focusing hard on our overall list of household expenses. I’m trying to identify ways for us to save money.

When I think about the things we spend money on, especially with kids in the mix, it really makes my head spin.

Listing Out Monthly Costs

I figured the first thing I should do is determine all the different ways we spend our money.

So I decided to take start listing out all the ways I can think of that we spend money in a year’s time.

I was about 10 minutes in and on #70 before I started slowing down and having to think of more ways! It’s kind of embarrassing, really….

Our Annual Household Expenses List

I’m sure it’s not an exhaustive list of household expenses for my family, but here’s what I came up with:

  1. Charitable donations
  2. Birthday gifts
  3. Groceries
  4. Toilettries & personal care items – laundry detergent, toilet paper, toothpaste, shampoo, deodorant, nail polish, mascara, eyeshadow, tissues, etc.
  5. Swimming lessons
  6. Swim team fees
  7. Gym membership
  8. Babysitter
  9. School clothes
  10. Eating out
  11. Supplements
  12. Clothes – regular clothes, workout clothes, underwear
  13. Hair cuts
  14. Car wash
  15. Health insurance
  16. Dental insurance
  17. Life insurance
  18. Toys
  19. Electronics
  20. Sports events
  21. VacationHousehold Expenses Checklist - Five Person Family Example
  22. Medicine
  23. Hobbies
  24. Dance class
  25. Mortgage
  26. Homeowner’s insurance
  27. Life insurance
  28. Electricity & gas
  29. Household items – replacement utensils, sippy cups, organizer bins, laundry storage, light bulbs
  30. Home repairs – gutters, pressure washing, paint, grass seeds, fertilizer, mulch
  31. Vehicle fuel
  32. Car insurance
  33. Car repairs/maintenance – oil filters, tires, windshield wipers, fluids
  34. Entertainment – movies, plays, books
  35. Medical co-pays and out of pocket costs
  36. Telephone – home and cell
  37. Internet service
  38. Appliances that broke – pancake griddle, toaster
  39. TV repair
  40. Trash service
  41. Bank fees
  42. Postage stamps
  43. Newspaper subscription
  44. Professional dues
  45. Magazine subscriptions
  46. Christmas gifts
  47. Christmas decorations
  48. Beach toys
  49. Special occasion outfits
  50. Chiropractic care
  51. Fitness-related gear – headphones, shoe inserts, tennis shoes, tennis racket restringing, Pandora subscription, workout armband,
  52. Car payments
  53. Vehicle license and registration
  54. Federal and state taxes
  55. Property taxes
  56. College funds
  57. Retirement plan contributions
  58. Office gifts
  59. Teacher gifts
  60. Museum / play place admissions
  61. Office supplies – pens, pencils, highlighters, paper, paper clips,
  62. Kid art supplies- crayons, markers, paint, tape, paint brushes, construction paper
  63. Yard sale signs
  64. Valentine’s Day cards
  65. Pandora subscription
  66. Photo developing
  67. Thank you cards
  68. Lunch boxes
  69. Water bottles
  70. Notebooks
  71. Printer ink
  72. Gift wrapping supplies –  wrapping paper, ribbon, and bows
  73. Diapers
  74. Wipes
  75. Diaper rash creams
  76. Bedding
  77. Sports-related costs – goggles, kickboard, dance shoes, dance outfits
  78. Family Christmas ornament
  79. Scrapbooking supplies
  80. Meetup fees
  81. Water filters
  82. Propane for our grill
  83. Entertaining costs – dinner & drinks for guests
  84. Picture frames
  85. Jewelry
  86. Batteries
  87. Vacation

Really?!!  Do we need to spend money on all this stuff!

I mean, it’s a good thing I didn’t separately list out all the little things that went into the toiletries category, for instance. I would have easily surpassed 100 types of household expenses if I had done that!

Cutting Back – Paring Down This List of Household Costs

I realize we need to cut back. The list above doesn’t even include all the random junk I buy at the Target $1 section, for instance, whenever I pass by. That could include the Valentine’s Day hand towels that I thought were so cute or the printed Easter fridge notes.

It also excludes the grocery aisle magazines I purchase on random grocery shopping trips because the headlines just caught my eye and I didn’t have time to read the article I wanted to before it was my turn to check out. LOL

I’m going to do my best to get this list of expenses under control. Once upon a time, I never paid money for toothpaste because I was so on top of the coupons and deals for that type of thing.

I don’t know if I have time to go back to that sort of serious couponing, but I can certainly do better than I have been.

First on the list is to get back to basics. I’ve apparently forgotten the Couponer’s Golden Rule…

Couponers Golden Rule

I’m going to start by using this post as a checklist of what to eliminate or cut back on throughout the year.

Who’s with me??? How would you cut back when you find you’re spending too much money? 

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Lena Gott

I'm a CPA turned SAHM of 3 little ones ages 2, 4, and 7. I'm a mommy by day, blogger by night. Join me as I write about fun kids activities, family finances, and losing 50 lbs after baby #3.
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This article has One comment
  • Chasity Boatman 19.11.2013 3:37 PM Reply

    Great list! I too buy things from the $1 section at Target!!

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