ok, I guess I have a distorted view of what a "spending category" is. Doesn't anyone have a category for "spending money"? Actually, we call this "an allowance".
I spend my allowance on things like entertainment, beer, clothes, gifts, donations, haircuts, beer, stupid Walmart purchases, and beer.
My wife spends her allowance on really stupid stuff, but that's her choice, it keeps us from arguing over spending money.
We each get $600 a month. That's $14,400 per year and is our biggest spending category.
Either we are extravagant spenders or that does not qualify as a "category".
I have one credit card used exclusively for food and gasoline. That ran at $8,400 for 2009 and would be our second largest category.
using an 8.5% withdrawal rate until SS kicks in