🟦 1. Housing
- Mortgage / Rent
- Property Tax
- Home Insurance
- Utilities (Hydro, Gas, Water)
- Internet
- Home Maintenance
- Furniture & Appliances

2. Transportation
- Fuel
- Public Transit
- Parking
- Car Insurance
- Car Maintenance
- Car Loan / Lease
- Ride‑sharing (Uber, Lyft)
🟦 3. Food & Dining
- Groceries
- Restaurants
- Coffee Shops
- Takeout / Delivery
🟦 4. Health & Wellness
- Health Insurance
- Dental
- Prescriptions
- Medical Services
- Gym / Fitness
- Therapy / Wellness
🟦 5. Personal & Family
- Clothing
- Personal Care (haircuts, cosmetics)
- Childcare
- School / Education
- Gifts
- Pets
🟦 6. Entertainment & Leisure
- Streaming Services
- Hobbies
- Books & Media
- Events / Tickets
- Travel
🟦 7. Financial
- Bank Fees
- Credit Card Interest
- Investment Contributions
- RRSP / TFSA / RESP
- Accountant / Legal Fees
🟦 8. Business / Work (optional)
- Software Subscriptions
- Office Supplies
- Professional Development
🟦 9. Miscellaneous
- Uncategorized
- One‑off purchases