Being able to save is something you should put in your budget. After you have your emergency fund, Dave recommends starting investing and saving for retirement.
Food (10-15%)
Food is the part of the budget that is for eating out or eating in. We need to budget a certain amount of food for each month.
Utilities are straightforward. It is the amount of money you spend on electricity, water, internet, and even trash take out.
Utilities (5-10%)
Dave Ramsey recommends making sure to calculate everything. That is a mortgage, rent, HOA fees, insurance, and even maintenance on the housing.