# Budget Templates

Suggested budgets by lifestyle. All amounts in CHF, adjust for your currency.

## Single Professional (Zurich)

High income, moderate lifestyle.

```bash
python -m watch_my_money set-budget --category rent --amount 2000 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 150 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 500 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 300 --currency CHF
python -m watch_my_money set-budget --category transport --amount 200 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 100 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 300 --currency CHF
python -m watch_my_money set-budget --category health --amount 100 --currency CHF
```

**Total: ~3,650 CHF/month**

## Couple (Shared Expenses)

Split household costs.

```bash
python -m watch_my_money set-budget --category rent --amount 1500 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 100 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 400 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 200 --currency CHF
python -m watch_my_money set-budget --category transport --amount 150 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 80 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 200 --currency CHF
python -m watch_my_money set-budget --category health --amount 80 --currency CHF
```

**Total: ~2,710 CHF/month per person**

## Student / Entry Level

Tight budget, essentials focus.

```bash
python -m watch_my_money set-budget --category rent --amount 900 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 60 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 300 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 100 --currency CHF
python -m watch_my_money set-budget --category transport --amount 100 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 30 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 100 --currency CHF
```

**Total: ~1,590 CHF/month**

## FIRE / Frugal

Aggressive savings, minimal discretionary.

```bash
python -m watch_my_money set-budget --category rent --amount 1200 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 80 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 350 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 50 --currency CHF
python -m watch_my_money set-budget --category transport --amount 80 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 20 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 50 --currency CHF
python -m watch_my_money set-budget --category health --amount 50 --currency CHF
```

**Total: ~1,880 CHF/month**

---

## The 50/30/20 Rule

Classic budgeting framework:

- **50% Needs**: rent, utilities, groceries, transport, health
- **30% Wants**: eating_out, subscriptions, shopping, travel
- **20% Savings**: Not tracked here (goes to savings account)

For 6,000 CHF net income:
- Needs: 3,000 CHF
- Wants: 1,800 CHF
- Savings: 1,200 CHF

## Adjusting for Your Reality

1. Track 2-3 months without budgets first
2. Review your actual spending patterns
3. Set budgets 10-20% below current spend
4. Tighten gradually month-over-month