The same holds for dental and vision insurance. Health care. If you have health insurance-either on your own or coverage you get through your (or your spouse’s) workplace-you’re paying regular premiums.But most people have some transportation expenses, like gas, parking, and car maintenance, or bus or train fares. Maybe you can walk or bike to everything you need. Transportation. This varies greatly depending on where you live and work.People who live in cold climates need to budget for outerwear as well. For example, your budget will be higher if you work in a bank and wear suits than if you work from home in sweats. Clothing. You need clothing that fits your circumstances.(The USDA released the latest plans in 2021, so expect to pay more at least until inflation is back under control.) Department of Agriculture offers t hrifty, moderate, and liberal food plans as guidelines for how much you should spend on meals. If you’re a homeowner, they’re your responsibility. If you’re a renter, your landlord might cover some of these expenses. (That might mean gas and heating oil bills as well.) An internet connection is important, too, and you may have to pay for trash removal. Utilities. Electricity and hot and cold running water are critical to healthy and safe living.If you rent-besides the monthly check to your landlord-you may be on the hook for parking and other expenses.
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