| • | food and clothing
|
| • | housing – rent or mortgage costs
|
| • | utilities – heat, hydro, telephone,
cable, Internet
|
| • | transportation – car payments, gas and
repairs, public transit
|
| • | insurance
|
| • | health care costs not covered by
provincial plans or insurance
|
| • | taxes
|
| • | debt
|
| • | education – expenses for re-training or
for children or grandchildren
|
| • | gifts – charitable or personal
|
| • | savings and investments
|
| • | recreation
|
| • | personal care – assisted living, health
care aids
|
| • | miscellaneous – pet care costs, club
memberships
|