Remember these are ranges and if you are on the higher end for each category, it will be over 100%. In general the recommended amounts for certain categories are: It can help you make adjusts if needed in your spending habits. What is good about determining your percentages is that you can see if a category is way out of line and needs to be adjusted. If you have no clue what a zero-based budget even is, start with this Budgeting for Beginners: A Step-by-Step Guide. If you are doing a zero-based budget month-to-month and sticking to it, that is the most important factor for your financial success, not percentages. In the grand scheme of things, it is a small detail in your big plan. It’s also important to not stress about the percentages month to month. It’s important to keep in mind that when it comes to your budget and percentages, that it may not be exact. There are general recommended household budget percentages and there are also Dave Ramsey budget percentages. The more you break it down the easier it will be to stick to because you will remember a lot of little things that you often forget. These categories are very broad and can be broken down even further for your personal needs. It is your preference on how you want to calculate it.įor me, my house insurance is covered in my mortgage payment, so it is included in housing costs. Some people include house and vehicle insurance in those main categories. This can include your buffer for your checking account
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