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My monthly Household budget list

One of the most common mistakes we make is to manage our personal finances without a budget. This results in overspending and at the end we end up in debts. We tend to spend the money we do not have which is in form of loans through banks or loans from departmental stores.
Below is a simple list which will serve as a guide line for monthly budgeting.Include two columns ,one is what you have budgeted and the second is the actual expenditure.
Monthly Expenses
Compulsory deductions
Savings
Support to parents or any extended family
Debt payments
Loans in departmental stores ,insurance ,personal loans
Credit card Payments(minimum or over)
Housing
Mortgage or rental
Insurance on the dwelling(house ,flat etc)
Household insurance(on property in the house)
Education
Fees
Extra activities
Transport
Public transport
Petrol/gas
Car insurance
Tools/parking meters
Repairs/car service
Health
Gym/Any fitness
Health insurances
Doctors/dentist visits
Drugs
House Groceries(food ,drinks ,toiletries ,care products ,cleaning agents etc--)
Entertainment
Eating /drinking out
Tickets for cinemas /shows etc
CDs/Video libraries/etc-
House gatherings for family/friends
Travelling
Transport
Accommodation
Food and drinks
Tickets
Pets
Dry food
Fresh food
Veterinary services
SUMMARY CALCULATION
MONTHLY NET INCOME
Monthly Net Income-Expenses=Monthly Spendable Income