Doing a detailed budget for a client - am I missing anything??

I'm trying to give him a REALLY detailed list of his monthly expenses. I think a disservice in many budgets is they're not detailed enough and leave stuff out so people filling them out don't think of these smaller expenses that can add up. Then they can't understand why they have no money at the end of the month when their budget says they should. Can you think of anything I missed? It's a family of 4.

Home Mortgage or Rent payment
2nd Mortgage
Home Equity Line/Loan
Home Repairs/Maint
Property Taxes (if not escrowed)
Auto 1
Auto 2
Auto 3/Boat/Motorcycle
Auto – Gas/Repairs/Maint
Insurance – Auto
Insurance – Life
Insurance – Medical
Utilities – Heat/Oil
Utilities – Electric
Utilities – Gas
Utilities – Water
Utilities – Home Phone/Fax
Utilities – Cable
Utilities – Internet Connection
Cellular Phone
Food – Groceries/Lunches
Unsecured Debt Repayment (Credit Cards)
Clothing
Dry Cleaning
Pets/Pet Care
Personal Expenses (haircuts, etc.)
Medical/Dental/Eye Care
School/Childcare
Savings
401K/Retirement/Investments
Charity/Religious Tithe
Recreation/Entertainment/Eating out
Vacation
Gifts (weddings, birthdays, showers, etc)

THANKS!!

Message edited 10/22/2008 4:37:52 PM.

Re: Doing a detailed budget for a client - am I missing anything??

toiletries (shampoo, toothpaste, etc) ?

would that fall under personal expenses?

Re: Doing a detailed budget for a client - am I missing anything??

Re: Doing a detailed budget for a client - am I missing anything??

What about Vacations/travel would that fall under recreation?

Re: Doing a detailed budget for a client - am I missing anything??

Does he have kids? What about registration fees for sports? And then there are collections for the coaches, etc.

Re: Doing a detailed budget for a client - am I missing anything??

Thanks ladies - I sent it to him and I HAD to mention this based on the other threads about recession, etc. He wanted to see if he could take another job because he works for himself and he's not doing well.

He filled out the budget and determined the expenses total over $150K, then he e-mails me he doesn't make that much and e-mails me again. One word: HELP.

"HELP"? What do you want ME to do about it?? I didn't buy the 2 luxury cars and the big house, etc... OK, sorry, my vent over…

Re: Doing a detailed budget for a client - am I missing anything??

hobbies?
Gym
Sports
Memberships (association, personal and professional)

Message edited 10/23/2008 9:47:52 AM.