"My monthly expenses fall into three categories: essential, negotiable, and non-essential. Essential expenses include: mortgage & home insurance, internet, alarm system, car insurance fund, medications, and utilities. Negotiable expenses include: health insurance, cell phone, food & drink, personal care, and household. Non-essential expenses include: car registration fund, savings, dentist fund, haircuts fund, Christmas fund, Cashville Skyline hosting, gas (car), gifts, and other one time expenses."
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-------- [Photo cred: Richard Elzey]