There are two type of personal finance or home finance. The first one is the fixed expenses where fall into categories such as housing (rent, mortgage, insurance, tax), utilities (telephone, heating, electricity, trash/garbage, water, sewer, cable…), credit card payment, auto (loan payment, insurance, license), other supports, life insurance…etc. And the second one is the controllable expenses where all into foods (groceries, eating out), household expenses (repair, supplies, furnishings, appli

ances, outside upkeep), transportation (gas, repair, bus), medical care, reading news, education, entertainment, travel, charity, gift, special expenses, clothings, saving…and so on.