Necessities (68% of income)
mortgage, utilities, bills, insurance, food
Investments (8% of income)
savings we set aside an invest so we can eat when we retire, rental property, peer-to-peer loans, futures trading, our LLCs
Long-term savings (8%) - money we set aside for future purchases
Car (our cars are all paid off, I bought mine for $3K at 120K miles, It's currently at 210K. I figure it has another 4 years)
Education (4%) - money we set aside for books, classes and seminars
Give (4%) - money we set aside to donate
Friends and family who need support
Fun (8%) - Discretionary income that we get to spend on whatever we want.
This totals $160 each month in cash. Once it's gone, it's gone.
Books at thrift stores
Clothes (but not I haven't bought clothes in 6 months)