I finally finished tallying our 2006 expenses (we use Quicken). After substracting all expenses from our net income and doing the math to figure monthly figures), we have $39.40 left over at the end of the month. This list of expenses includes insurances (house & auto), taxes, savings (automatically deducted from paycheck), utilities, hobbies, eating out, auto expenses (gas, maintenance, etc.) personal, postage, charity, clothing, gifts, medical, household (improvements, maintenance, etc.) even a small misc. catagory. We track all expenses: checks, charges and cash. I even list smaller cash expenses like tolls, and parking meter money (that goes in misc). We've been doing this for years and this is the first time we've really feel confident that we've done it right. I was thrilled that we basically balanced. Now, just need to keep this going for 2007!