My monthly budget consists of the following line items:

- $250 groceries

- $150 (ish) gasoline

- $104 car insurance

- $19.95 phone bill

- $30 (approximately) subscriptions (Disney+, Apple Music, etc.)

- $50-$100 misc. category

The Misc. category includes things like shampoo, razors, haircuts,

movie rentals, hobbies, and other things. Most of my hobbies

are very inexpensive. I like to hike, camp (tent for free or in state

parks), fish, hunt, and shoot. I do have a considerable amount

tied up in firearms, ammunition, and the like, but my monthly

expenses related to this are minimal as I don't shoot a whole lot.

Hunting and fishing are very seasonal for me, and I do them in a

way that doesn't cost much. Once you buy the gear, your regular

expenses are basically a fishing license ($30-ish), bait, tackle, and gas,

and that's about it. Hunting is similar and only done during very specific

times of the year. Hiking costs me next to nothing other than gas and a

parking pass.

I exercise a lot and see many people spend lots of money here.

You really don't have to drop bills to stay in shape - especially

at a young age. Here are some specifics:

- workout from home - no gym memberships. There's so much

you can do from home to stay in shape. I typically focus around

running/walking, and body weight exercises such as calisthenics,

plyometrics, and isometrics, biking, and swimming. My local HS

has free swim early mornings for $2.

- avoid buying expensive "health" food. What I mean by this is

anything like protein powder/food, workout/health/protein bars,

"fat-loss" type food products, anything like that. You can get the most

of everything you need just by eating healthy food, which really

isn't expensive if you know how to cook. In my area, milk is a couple of dollars,

fresh produce is relatively inexpensive, canned meat (like the

tuna I buy has 46 grams of protein in a little can and costs $2.30 per unit),

and I also harvest meat from my hobbies such as venison (usually

45 - 90 lb per year), fish (varies a lot but usually dozens of meals

per year), and other game animals. So just a few thoughts there.

I see so many people spend a good amount of money on gym

memberships, trainers, "health" food, workout equipment, and

even clothing. Many of those things are not always necessary to achieve the desired result.

Car repairs/maintenance are done from earmarked cash on hand

(about $1,000), anything sudden car issues above that will be

cash-flowed with EF funds. Any amount spent is budgeted and replenished next pay period. I have a well-cared-for 2015 F-150

(paid cash for it) that haven't been any significant issues (knock on wood) so

far. Only replaced O2 sensors and regular maintenance. An oil

change, tire rotation, fluid top-off, and quick inspection run me

$45 from my local auto shop.

Roth IRA contributions are set at $500/month. I try to shoot for

$6,000/year or whatever the maximum limit is that year.

I like to study personal finance and have done a lot of thinking about

ways to save money without feeling deprived of anything. I love

my lifestyle and feel content. Hope this helps answer your question about breaking down my budget.