[acarr]

What you can do is separate out the expenses as to fixed...your monthly mortgage, car payment, health insurance ect...your yearly or semi yearly fixed costs like auto insurance, home insurance, property taxes unless this is included in your escrow of your home and monthly and yearly variable costs such as utilities, telephone, ect. The variable costs and semi yearly and yearly fixed costs are the only things you need to be concerned about as to changes. Look at your utility bills, telephone for the specific months in the past and budget those numbers based on the month. Same thing with the yearly/semiyearly fixed costs.