1. Housing/mortgage/ home maintenance
2. kids education/ tuition, room and board
3. car payments, repairs, gas and insurance
4. Food and entertainment (ie. Restaurants, movies and shows)
5. Healthcare/health insurance/medicine
6. Savings for retirement/emergency savings
7. Business expenses and utilities...ie. Phone, internet, heat and electricity, professional development and licensure, memberships in professional organizations
Wardrobe, cosmetics and hair come in fairly low on my list.