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 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.
Dave Ramsey recommends making sure to calculate everything. That is a mortgage, rent, HOA fees, insurance, and even maintenance on the housing.