These are good starting numbers:
Charitable gifts 10-15%
Tithing, offerings, etc.
Saving 5-10%
We have made it a minimum to save at least as much as we give
Housing 25-35%
Your home, repairs, insurance, furniture
Utilities 5-10%
Electricity, water, telephone, etc.
Food 5-15%
Groceries and eating out
Transportation 10-15%
Car, gasoline, repairs, insurance, maintenance
Clothing 2-7%
Our clothing is included in "Personal"
Medical/Health 5-10%
Insurance (health, life), co-pays, medications, bills
Personal 5-10%
Make up, razors, shampoo
Recreation 5-10%
Vacations, movies, etc.
