Categories should support decisions
A category earns its place when it changes what you notice or decide. More detail is not automatically more useful.
A practical starter list
Most plans can begin with a compact set.
- Home and utilities
- Food
- Transport
- Health
- Debt
- Savings
- Family and personal
- Fun
- Buffer
Add what is unique to you
Childcare, education, business costs, giving or family support may deserve dedicated limits.
Simplify regularly
Merge categories you never review. Split one only when the hidden detail prevents a useful choice.