1. Baseline Monthly Survival Budget

Itemize your critical survival expenses. Do not include discretionary spending or investments.

Expense Category Monthly Cost
Housing (Rent or Mortgage baseline)
Utilities (Power, Water, Gas, Core Internet)
Basic Groceries (Essential food preparation supplies only)
Insurance & Medical (Health, Auto, Home/Renters)
Essential Transport (Fuel, mandatory vehicle maintenance)
Total Monthly Survival Cost: $1,800.00