<prompt> Human: Ive been tracking every expense and dollar earned for almost 2 years now. I use a homemade spreadsheet with double entry accounting and a budget sheet inspired by YNAB.In 2017 my wife and I both 27 yrs old got married and went from one person working full time to both but our finances have been combined for the entire year. Ive used rpersonalfinance a lot to plan our saving strategy. I had some time to sit down this weekend and pull out some summary info from the past year, so I thought it could be nice to share. When I started working a few years ago, it was hard for me to decide what was a reasonable amount to spend on things like rent and entertainment, so I thought that our breakdown might be useful for other people who are just looking for some more data points.First, the bug numbers:Income: 111,000This was our take home pay. It does not include money that was deducted from our paychecks for taxes or health insurance. It does also include capital gains on our retirement accounts. It would probably be more useful if it didnt, but I think that amount is negligible and would be a pain to calculate.Expenses: 69,000This includes 4,500 we spent on our wedding. We were lucky to have our parents pay for the majority of the wedding costs.Savings rate: 38I wasnt tracking this number month to month, so I was very pleased to see that it was so high after I ran the numbers!Other financial details: We are renters in a high cost of living city No debt 13 year old car with no loan Savings of 100,000. This includes both retirement and liquid savings.Spending by category:Category2017 ExpendituresPercent of total spendingMonthly averageNotes:----:--:--::--Rent22,842.2535.371,903.52Groceries7,771.9112.03647.66Travel4,410.076.83367.51VacationHousehold goods4,256.606.59354.72Misc things like laundry detergent, small appliances, furniture, linens, etc.Transport3,871.926.00322.66Includes gas, car repairs, car insurance, bike repair my primary form of transport, etc.Eating out3,481.055.39290.09Other3,366.865.21280.57Renters insurance, software, new computer, cash expenses that we forgot to track, etc.Moving2,658.484.12221.54Long distance move to a new city. Plane tickets to visit new city and find apartment, hotel when visiting new city, uhaul rental, hired movers to loadunload, some new furniture to accommodate immediate needsEducation2,609.394.04217.45Summer program, books, some weekly classesEntertainment2,368.673.67197.39Movies, video games, other hobby and leisure expensesDonations2,194.783.40182.90Utilities1,462.052.26121.84cooking gas, internet, cell phones. Heat, hot water, and electricity included in rent.Healthcare1,431.822.22119.32Does not included health insurance premiums which is deducted from pay checkClothes1,042.051.6186.84Gifts851.971.3271.00note that of total spending does not include wedding expenses in the totalThings I want to change in 2018: Spend less on groceries Introduce sub-categories into our expense tracking system Track incomeexpense of health insurance premiums Track dividends and retirement account growth separately from other income Set some specific savings goalsI hope someone finds this post interesting or useful in some way, but even if not, thanks all for the help in 2017 and for making this sub great!  <response>: We include renters insurance as part of our utilities. Its required in our lease, so that helped us to make that connection, but I think Ill keep it there going forward since it is essential for us.Also, I have an Electronics Replacement Fund that I put 20week into. It ends up being 1000year, so I can save up and be prepared for phonecomputer replacement rather than be surprised.Good job! 