Rent or mortgage, homeowners insurance or renters insurance, all utility bills, auto loan or auto insurance payments, gas for your vehicle, food for home, and so forth. Once again, these are items that you cannot live without.
I think it is best to keep a monthly budget instead of an annual one. This is because things change monthly. You might need to spend extra money for a holiday party in November and December, and so forth. So we are going to make a monthly budget. However, what you need to do is first consider all of your yearly bills. These are bills that you pay once a year only.