Housing (Mortgage/Rent, Taxes, Insurance)

Utilities (Electricity, Water, Gas, etc.)

Transportation (Car payments, insurance, fuel, maintenance, public transit.)

Debt Payments (Loans, credit cards, or lines of credit)

Childcare/Schooling ( Tuition, daycare, activities, school supplies.)

Groceries and Household Items

Dining out and Entertainment

Health and Fitness (Gym memberships, insurance, medications)

Clothing and Personal Care

Emergency Fund: Aim for 3-6 months

Retirement Contribution

Education Savings: For your kids

Marketing Costs: Ads, lead generation platforms, etc.

Professional Fees: Licensing, real estate board dues, etc

Client-Related Costs: Meals, gifts or staging

Income Tax: Set aside 20-30% of your income depending on your tax bracket

CPP/EI Contributions (if in Canada, as self-employed).

Travel and Vacations

Hobbies and Interests