How do you organize your budget categories?
Just started using Allocate and I'm struggling with how granular to make my categories. Do you separate "Groceries" from "Dining out" or just have one "Food" category? Curious what setups work for others.
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I keep it granular — Groceries, Dining out, Coffee, and Alcohol are all separate. It helped me realize I was spending $200/mo on coffee alone.
I started granular and consolidated over time. Now I have: Essentials (rent, utilities, insurance), Food (all food), Fun (everything discretionary), and Savings. Four categories, super simple.