Just entering Nov/Dec receipts into my Excel budget sheet and looking at "almost year end totals" (rounded) in some of my categories.
Dog annual - $2659 ($1105 was in Nov/Dec for emergency issue, all well now) The total includes food, medications and shots, pet-sitter fees while away from home, vet services.
Grandkids annual (2 under 10 yrs) $1341 which includes restaurant, entertainment, gifts, meals and snacks
I have the other standard categories.....meals, medical, household, utilities, cell, etc but the dog and grandkids always seem to surprise me at year end.
I don't plan to change anything yet, but next year will be the first full year both hubs and I are retired. The whole purpose of starting a detailed budget about 6 years ago was so I knew where I could or should cut back when we relied on retirement savings.
I have no clue where we fall into averages, because that has never made a difference in our decision making. But we will have to alter some of our spending starting next year. We have a lot of categories where that will be fairly easy to do.
Wondering where others cut their budgets when lifestyle changes hit?