Take some time to really think through things you spend money on daily, weekly, and monthly. Some of them, like rent or mortgage payment, come to mind immediately. But others, like figuring out how much you spend on lunches at work, or for kids' school or sports expenses, might take a little bit of work. Here are some likely regular expenses. Use this as a start, and add any other regular expenses you incur:

• Mortgage or rent
• Car payment
• Food
• Utilities (gas, electric, water, etc.)
• Phone bill (home and cell phone)
• TV/cable bill
• Gas
• Car insurance
• Student loan payments