Kitty,I left out charitable donations, and I think you did too.At this point, I find entering the details in Quicken too much of a pain, and broad estimates by category work fine.A couple of things I don't see in your budget (besides charity) are long term care insurance (not everyone thinks it is worth it) and a broader big ticket item category (there is computer, one such item, but new cars are sometimes required as are new appliances).I don't consider clothing "discretiionary," but I don't do designer. (My impression from new campus year is last year's over the top (and under the belt) outfits, which I suspect cost a lot, have been replaced with the traditional designer hip-huggers and t-shorts.)
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