Common recurring expenses
Use this as a checklist when setting up Day Cash. Most people have 15–30 recurring items. The goal isn't to be exhaustive — just to make sure you haven't missed anything that would throw off your projection.
Start tracking your cash flow💰 Income
- Paycheck (primary)Most common: twice a month or every two weeks
- Paycheck (secondary)Second job, part-time work
- Freelance / contract incomeVariable — use a conservative estimate
- Side business incomeEtsy, eBay, rental income, etc.
- Child support / alimony received
- Government benefitsSocial Security, disability, etc.
🏠 Housing
- RentUsually due 1st of the month
- MortgagePrincipal + interest; escrow may include taxes and insurance
- HELOC paymentHome equity line of credit
- HOA feesMonthly or quarterly
- Home / renters insuranceSometimes bundled into mortgage escrow
- Property taxesIf paid separately from mortgage escrow, often twice a year
- Lawn care / landscaping
- Cleaning service
- Storage unit
💡 Utilities
- ElectricityVaries by season — budget a monthly average
- Natural gas / heatingHigher in winter months
- Water & sewer
- Trash & recycling
- InternetUsually a fixed monthly rate
- Cell phoneIndividual or family plan
- Cable / satellite TVMany have cut this in favor of streaming
🚗 Transportation
- Car paymentAuto loan — check your exact due date
- Car insuranceMonthly or paid twice a year
- Car registrationAnnual; amount varies by state
- Parking permit / garageMonthly in many cities
- Public transit passMonthly commuter pass
- TollsIf you pay a monthly transponder fee
📺 Streaming & Entertainment
These almost always hit your credit card.
- Netflix~$17/mo
- Spotify~$11/mo
- YouTube Premium~$14/mo
- Max (HBO)~$16/mo
- Disney+~$14/mo
- Hulu~$18/mo
- Apple TV+~$10/mo
- Peacock
- Paramount+
- ESPN+
- SiriusXMCar or app subscription
🛒 Software & Subscriptions
Many of these are annual — easy to forget until they hit.
- Amazon Prime~$139/yr
- iCloud storage~$3–$10/mo
- Google One~$3–$10/mo
- Microsoft 365~$100/yr
- Adobe Creative Cloud
- ChatGPT Plus~$20/mo
- Audible~$16/mo
- DuolingoIf on annual plan
- VPN (NordVPN, ExpressVPN, etc.)Usually annual
- Password manager (1Password, etc.)Usually annual
- Cloud backup (Backblaze, etc.)
- Domain name / website hostingAnnual renewal
- SoundCloud / music distributionAnnual
- Photo editing (Lightroom, etc.)Monthly or annual
💳 Credit Card & Banking Fees
Annual fees are easy to miss — check each card you carry.
- Chase Sapphire Reserve$795/yr
- Chase Sapphire Preferred$95/yr
- Amex Platinum$695/yr
- Amex Gold$325/yr
- Delta SkyMiles Gold$150/yr
- Amex Blue Cash Preferred$95/yr
- Other credit card annual feesCheck each card you carry
- Bank account monthly feeIf you don't meet waiver requirements
🎓 Debt Payments
- Student loansFederal or private; check your servicer for due date
- Personal loan
- Medical debt payment plan
- Buy now, pay later installmentsKlarna, Affirm, etc.
💪 Health & Fitness
- Health insurance premiumIf not fully employer-paid; check your pay stub
- Dental insurance
- Vision insurance
- FSA / HSA contributionIf payroll deduction
- Gym membershipMonthly or annual
- Peloton membership~$44/mo
- Oura Ring membership~$6/mo
- Therapy / counselingIf recurring out-of-pocket
- Prescription medicationsIf regular monthly cost
👶 Family & Childcare
- Childcare / daycare
- School tuitionPrivate school, preschool, etc.
- School lunch accountMonthly top-up
- Child support / alimony paid
- Pet insurance
- Vet wellness plan
📈 Savings & Investments
- 401(k) contributionUsually payroll deduction — doesn't affect bank balance directly
- IRA contributionMonthly auto-transfer
- Emergency fund transferAutomatic savings deposit
- Investment account auto-invest