Include:

• Groceries
• Take away and meal delivery services
• Cafés and lunches
• Fast food
• Non-alcoholic beverages such as fruit juice, cordial, and so on

Do not include:

• Fancy restaurants (they typically go under Entertainment)
• Alcohol (that’s also an Entertainment expense)

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Household supplies are typically consumable things you need to buy to keep your household running - in other words, things you buy and use up, but that aren’t food.

Include:

• Cleaning products
• Toilet paper
• Batteries for appliances
• Nappies, wipes, and so on

Do not include:

• Toothpaste, soap, and other toiletries (they have their own category)
• Cooking oil, spices, etc (they should be included in Food)

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A general rule of houses is that something’s always broken and in need of repair. The cost of those repairs go here.

Include:

• Paying tradies to fix or repair things around the house
• Purchasing DIY parts, tools, and other supplies to fix things around the house

Do not include:

• Renovations
• Extensions
• Remodelling

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If your house has natural gas connected, or you buy bottled gas, those expenses will go here.

Include:

• Gas bills from a gas company
• Buying bottled gas

Do not include:

• Repairs or installation of gas pipes or similar (they typically go under House repairs)

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You know what electricity is!

Include:

• Electricity bill
• Battery storage

Do not include:

• Batteries for household appliances
• Paid EV charging stations (include those expenses under Motor vehicle (petrol)

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Also known as broadband, ADSL, NBN, etc.

Include:

• Monthly internet bills

Do not include:

• A mobile phone plan with data allowance

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That thing we use to talk to people who aren’t here.

Include:

• Home phone / landline
• Mobile phone
• Other landlines (eg a fax line)
• International calling cards
• Skype credits or similar

Do not include:

• App store purchases (those might be Entertainment, or Education, or something else, depending on the app)
• Phone repairs such as broken screens (put those costs in Repairs - furnishings and appliances)

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The fuel that makes your car go.

Include:

• Unleaded fuel
• Diesel fuel
• LPG fuel
• Electric vehicle charging stations

Do not include:

• Fuel for lawnmowers, chainsaws, and other tools (that would typically go under Gardening)

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All the other expenses you need to pay to keep your car working the way it should.

Include:

• Regular servicing
• Tyres and wheel alignments
• Panel beating
• Car wash and detailing
• Other repairs

Do not include:

• Registration (put that in Part G of the Financial Statement)
• Insurance (put that in Part G of the Financial Statement)
• Driver’s licence (put that in Part G of the Financial Statement)

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This is a bit of a strange category, combining fares (such as train tickets) and paid car parking.

Include:

• Public transport
• Metered street parking
• Paid parking garages

Do not include:

• Taxis and rideshare
• Road tolls

PartN.Com.au:

We automatically group 🛣 Tolls into their own category, as they can be a significant chunk of the weekly budget for many people. We do the same thing for 🚕 Taxis and rideshare.

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The stuff people wear on their bodies

Include:

• Clothes
• Shoes
• Protective gear
• Work uniforms
• Jewellery and accessories

Do not include:

• School uniforms (put them in education expenses)
• Prescription glasses (put them in Medical, dental and optical)

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All the things you pay for your children to do, whether it’s to expand their curious minds or just give you 35 minutes of rest.

Include:

• Play centres
• Sports
• Swimming lessons
• Holiday programs
• Scouts

Do not include:

• School fees
• Childcare
• Private tutors (they are an Education expense)
• Private music lessons or similar (they are an Education expense)

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The costs involved in having someone look after your children.

Include:

• Childcare
• Nannies
• Babysitters
• After-school care / out of school hours care / etc

Do not include:

• School fees
• Early Learning Centres (they are an education expense)
• Group activities run by an instructor, such as scouts, swimming lessons, etc (put those in Children’s activities instead)

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Test blurb

Include:

• GP visits
• Dentist visits
• Optometrist visits
• Prescription lenses
• Contact lenses
• Specialists
• Hospital fees
• Allied health such as physio and osteo

Do not include:

• Health insurance (put those expenses in Part G instead)
• Medicines, pain relief, and other pharmaceuticals (they go under Chemist/pharmaceutical)
• Gym memberships and other healthy activities

PartN.Com.au:

We automatically create a specific category for 💪 Gyms and fitness when we see those expenses in your transaction history

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Things you do for fun.

Include:

• Streaming services such as Netflix, Kayo, etc
• Club fees and registration for amateur sport
• Outings such as cinemas, fine dining, art galleries, concerts, and so on
• Costs associated with hobbies, such as fishing gear, games, arts and crafts
• Gambling
• Alcohol, bars, clubs, and so on

Do not include:

• Children’s activities (they have their own dedicated category)
• Ingredients for baking (that’s typically Food)
• Gardening supplies (there’s a separate category for that)
• Books (there’s a separate category for that)
• Holidays and travel (there’s a separate category for that)
• Pet supplies (you would typically add those to a new ‘Other’ category)

PartN.Com.au:

We automatically detect and group pet expenses into their own 🐾 Pets and animals category.

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The thing you’ll have earned once all this Part N stuff is behind you.

Include:

• Airfares
• Accommodation
• Transfers
• Hire cars
• Activities while on holiday, such as museum tickets, guided tours, and so on
• Childcare while on holiday, such as kids clubs
• Meals, drinks, and so on while on holiday
• ATM withdrawals while on holiday

Do not include:

• If you’re driving your own car to your destination, don’t include your petrol and running costs

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Education expenses run all the way from ELC all the way up to TAFE and University

Include:

• School fees and levies
• Tertiary education fees
• Uniforms
• Textbooks
• Excursions
• Ongoing professional training

Do not include:

• Public transport or parking costs (they go in Fares/car parking)
• Childcare (put those expenses in Child minding)
• After-school programs (put those expenses in Child minding)

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Include:

• Prescription medicines
• Over-the-counter medicines
• Other medicinal products such as pain relief, throat lozenges, antiseptic cream, and so on
• First-aid supplies like band-aids, bandages, slings, etc

Do not include:

• Toiletries (they have their own category, lumped together with hairdressing, for some unknown reason)
• Gifts that were purchased at a chemist (there’s a separate category for Gifts)

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This includes paying other people to maintain your garden, or doing the gardening yourself.

Include:

• Gardening and lawn mowing services
• Garden supplies such as potting mix, fertiliser, seeds, etc
• Gardening tools and supplies

Do not include:

• Pool cleaning supplies (they have their own category)

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An unfortunate fact of life is that houses always seem to need cleaning.

Include:

• Pool cleaning supplies
• Paid cleaners

Do not include:

• Household cleaning products (they go under Household Supplies)

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When the Financial Statement was first created in the 1970s, it was economical to repair things when they broke. These days, the call out fees alone are typically higher than the cost of a replacement item, so it is common to include new furniture and appliances in this category, as well as repairs to existing furniture and appliances. An unavoidable aspect of 21st century living is that something’s always breaking!

Include:

• Furniture
• Appliances such as fridges, televisions, kettles, toasters, and so on
• Furniture repair and upholstering
• Appliance repair and servicing

Do not include:

• Built-in cabinetry and wardrobes
• Repairs to the house itself, as opposed to its contents

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This category is typically regarded as including other professional laundering services, not just dry cleaning.

Include:

• Dry cleaning
• Laundromats
• Commercial laundry services

Do not include:

• Repairs and alterations

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Include:

• Books
• Magazines
• Newspapers

Do not include:

• Textbooks (the are an Education expense

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Gifts can be a tricky category, because anything can be a gift if you wrap it in paper! Some shops, such as florists, predominantly cater to gift givers, but usually it’s the intention that counts, not the vendor.

Include:

• Flowers
• Christmas presents
• Birthday presents
• Presents for colleagues
• Presents for children’s parties
• Greeting cards

Do not include:

• Treats or indulgences for yourself

PartN.Com.au:

If you want to be precise, you can mark specific transactions as being gifts. You can even split a single transaction between gifts and other categories. Some people, however, prefer to categorise things according to their underlying nature (such as ‘books’, ‘clothing’, ‘gardening supplies’, etc) and then do a final adjustment by hand to pull some of that expenditure into the Gifts category.

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Who decided that these two things should go in the same category? Someone in the ‘70s, that’s who. And now we’re all stuck with it.

Include:

• Hairdressers
• Barbers
• Children’s haircuts
• Soap, moisturiser, and shampoo
• Toothpaste and other dental hygiene
• Feminine hygiene products
• Beauty treatments

Do not include:

• Things bought at a pharmacy of a medical nature, such as head lice treatment

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Not every bank transaction will be relevant to your Part N. When using PartN.com.au, you can mark a transaction as ‘Excluded’ and it will be omitted from the analysis.

Include:

• Part G expenses such as rent, mortgage repayments, rates, insurance, etc
• Internal transfers
• Notifications of interest rate changes

Do not include:

• “Private” or secretive expenses – these should generally be included in one of the Part N categories, no matter how embarrassing, but you should speak with your lawyer if you are unsure

PartN.Com.au:

We make it easy for you to exclude a transaction from Part N, and include it in the correct spot in Part G, with a single click.

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