I just ran up a quick budget for myself, and it was a real eye opener. Something that I probably should have done awhile back, but I've usually had a second job, roommates, or both, so I usually just tried to make sure that I was bringing in more than I was spending, and that I put as much as possible into retirement or other investment/savings. Fortunately, except for a few rough patches, I've been able to do pretty well.
However, I have gotten lazy about budgeting. Here's something quick and dirty that I threw together though...
HELOC: $600/month. I'm at the point now that I only have to pay the interest. However, I'd usually try to round up to the nearest $100. With the way rates have been creeping, chances are this will go to $700/month soon, if I continue to round up.
Homeowner's insurance: ~$68/month ($800/year)
Property taxes: ~$217/month ($2600/year, and will most likely go nowhere but up
)
Electric: ~$115/month
Oil: ~$125/month (probably overexaggerating here, but I'd rather err on the side of caution, and with the way prices are going, who knows?)
Directv: ~$86/month (two Tivos, extra channels, etc)
Home phone: ~$60/month
Cell phone: ~$110/month (my two roommates are on my plan where we share minutes, and they chip in for their part of this)
Car insurance: ~$170/month (this sounds bad, but I have 7 cars, with some of them on an antique policy. Will probably go down, as I plan on switching one or two of them from my regular policy to the antique one)
So throw that all together, and that comes out to around $1550 per month. However, that's before I've counted one bit of food, gasoline, repairs to the cars, home repairs, etc. And then, if I were to retire, there's health insurance to consider. But on the plus side, most likely the HELOC would be paid off by then!
Still, throwing this quickie budget together sure was a wakeup call for me! I'd imagine that gasoline runs close to $200 per month. Food's hard to put a finger on, though, because my roommates buy most of it.