Now list your expenses. We have entered some to illustrate. Yours will probably be different. If you do not have an expense for one that is listed, just enter a zero. If it is an expense that you pay less than every month, simply divide it by how many months it covers. An example of this is if you pay your water/trash/sewer every other month, you would want to divide that amount by two and then enter it in.

Then total your expense column at the bottom.