Here's how much you can expect to spend on various categories each month. By Cameron Huddleston, Former Online Editor December 16, 2009 We show you four ways to trim your spending in the January issue of Kiplinger's Personal Finance. And you can use your household budget worksheet to track your spending. Your budget should be both flexible and personal. The January issue provides some guidelines to help you get started:Expect 30% of your household's after-tax monthly pay to go toward your mortgage or rent 15% toward food 10% toward debt payments 10% toward utilities 10% toward transportation 10% toward savings 5% toward clothing 5% toward entertainment 5% toward miscellaneous expenses Sponsored Content To personalize the numbers, track expenses for several months, then reexamine your priorities.