Ok, I'm gonna do mine.  I have a lot of categories, and many are old YNAB3/4 throwbacks that I keep for posterity as they're still so familiar to me.  I somehow find a need to tweak something a few times a year even though in my mind, my categories are very simple compared to others'.  Yesterday I split up the "Doctor/Dentist" category to two separate line items, plus added a Vision category as I now have an HSA and LPFSA and want to know for next year how much more I'm spending out of pocket on the LPFSA expenses.

I never did the "True Expense" type breakdown, but I later added an I or T tag to some categories to help prioritize, but I really rarely look at it.  I don't break anything out by time.  If I made a category for every single recurring transaction my budget would be a mess.  I schedule them all on mostly one credit card, and just "budget for upcoming."  If it's something annual and big, like HOA dues, I use a goal by date.  

I have 11 CC Payment categories showing, and 7 hidden, so I'll just skip those.  Wish I could hide them from the account view!!

I use the yellow and blue (toolkit) warnings to initially fill out the budget.  My eyes are well-trained on how to jump around priorizing after 10+ years of this.  I use a lot of goals, upcoming, and category notes to help guide me.  

Business - not major businesses, just for tracking

• Business Expense (husband's reimbursables)
• eBay Biz
• Italian Ice
• Thirty-One

Clothing

• Adults
• Kids
• Shoes & Accessories

Charity

• Tithing (I'm not Mormon, but it sounds cooler than Church)
• Other

Education

• Tuition
• School
• Tutoring

Food

• Coffee
• Groceries
• Restaurants
• Diet
• Supplements
• Gum (throwback from nicotine-gum days, now keep for Orbit :))

Housing

• Rent/Mortgage (never paid rent while using YNAB, but it's an old YNAB category I keep)
• Property Taxes (self-escrow, always!)
• Services (house cleaners, lawn guy, snow removal, etc.)
• Household Needs (mostly consumables, and small items)
• Association Dues
• Furniture & Appliances (big stuff)
• Improvements & Repairs
• Pest Control (used to have a subscription, now just keep an amount for emergencies)

Kids  (Allowances)

• Kid 1
• Kid 2
• Kid 3

Medical

• Doctor
• Prescriptions
• Dental
• Vision
• Other
• HSA Funds (ONLY category that matches to an account. I budget for upcoming medical expenses normally, then cover with this category when I make a charge or withdrawal. Auto deposits with each paycheck), and I reconcile monthly, interest goes straight to category.) 

Personal

• Personal Care (toiletries, beauty, haircuts, etc.)
• Gifts
• Holidays & Celebrations
• Subscriptions & Dues (YNAB, Prime, Costco, newspaper, magazines, etc. All scheduled in future on a card)
• Mom Stuff (she just passed away so this will be retired soon, after I finish closing out her trust)
• Legal (thanks, mom :))
• Loans (I use to track money I am owed by others, rare occurrence)
• Child Care (babysitting, seldom now, yay!)

Pet Care

• Food
• Supplies (treats, other items, grooming)
• Vet

Recreation (These are the ones that get raided constantly)

• Computer & Technology
• Entertainment (family fun stuff, movies, etc.)
• Hers
• His
• Kids
• Vacation

Savings (general financial categories, not always in service)

• RSU (release fixed amount monthly for income smoothing)
• ESPP (same as above)
• Future Income (currently used for next month buffer, even though oddly named :))
• Taxes & Fees
• Retirement (was for Roth transfers, but not used right now, maybe in future)
• Investments (used once to exercise stock options, maybe in future when I get there)
• Buffer (catch-all for money I haven't quite figured out yet but will soon)
• Emergency Fund (truly Income Replacement, but not renaming yet)

Spending Money (any small ATM withdrawal that probably won't be tracked)

• Annie
• [Husband]

Transportation

• Gas & Oil
• Insurance
• Repairs & Tires (really a catch-all for most car expenses, including licenses & registration)
• Parking & Rides

Utilities

• Cable TV (monthly bundled Comcast bill, separate pay tv subscriptions, tivo charges - these are all scheduled on a single credit card. Much easier when a CC inevitably gets compromised and closed)
• Cellular Phone
• Life Insurance
• Gas & Electricity
• Water
• Trash Collection

Rental Property (this is new)

• Property Tax
• Water
• Landlord Insurance

Monthly Expenses: Mortgage, Home/car insurance, Charitable donations, YMCA, Life insurance, Cell phones, Hydro (electric for other people), Groceries, Gas, Interest/Fees, Internet & Phone, Melaleuca Order.

 

Debt Payments: Details not relevant to anyone but me

 

Less Frequent expenses: Personal care, Car maintenance, Home maintenance, CPA Membership, website registration, YNAB subscription, Clothing & School Supplies, Gifts, Christmas Gifts, Birthday Gifts, Vacation

 

Fun Stuff: Netflix, Family fun & dining out, Rebecca misc money, André misc money

 

Wish list: Currently only active thing is remote starters for our vehicles, but it won't be funded for ages I don't think.

Always interesting to see these. Mine have changed over time, from dealing-with-debt to stop living paycheck-to-paycheck, to FIRE (although i'm more FI than RE), so I'd really agree with the comment about what you want your budget to tell you. That changes, and so do the categories.

For me, i'm looking at the FI part of FIRE at the moment, so want to know how much I need to have coming in to meet the essentials. So my categories are setup from must do and should do through to can live without or nice to have. Strictly i've hit FI if I can fill the essentials, but in reality I need to hit most of the nice to have's as well for it to be sustainable long-term. So master categories are

• MUST - Bills (Monthly). Mortgage, utility bills, council tax ... any bill I must pay each month
• MUST - Bills (Annual). Similar, but budgeting for bills that are annual (car insurance, road tax, etc.)
• MUST - Food and Supplies. We need to eat, and fill up various things round the house :)
• SHOULD - Credit Card Payments. Obviously cards are best paid in full each month, but could slip to next month in an emergency so not quite a MUST
• SHOULD - Savings (Emergency Funds). These should always be topped up in full, whenever possible.
• SHOULD - Healthcare. Again, a little flex here if I have to, e.g. postpone a routine dentist check-up a month or two. But should be fully budgeted whenever possible.
• MEDIUM - Savings (Monthly). Long term savings, which are important for FI(RE) but could be reduced or paused if needed
• MEDIUM - Transportation. Includes petrol and maintenance, but could cycle to work if I had to!
• LOW - Birthdays and Christmas. Nice to do, but can always write a card if I was broke.
• LOW - Clothing. Have enough in the wardrobe to get me by for a long while
• LOW - Giving. Always want to each month. Don't have to.
• LOW - Household. Maintenance work, gardening, furnishing. Nothing major needs doing at the moment, so could be deferred if needed. Emergency fund will cover emergencies.
• LOW - Miscellaneous. The bucket'o'stuff that doesn't fit elsewhere.
• NICE TO HAVE - Recreation and Holidays. Again, would like to, don't need to. A 'staycation' isn't terrible where I live

So I budget from top to bottom, based on what's available. My salary is predictable, so everything is usually covered in full each month, but any major outlay (e.g. household repairs) means the LOW categories may be paused for a bit.

Mine is pretty simple and each item under the category heading is arranged by it's due date with the fixed amount that's due. Makes it easy to know exactly when each is due and for how much. I do have a bunch of hidden categories that I've either combined or eliminated as I tweak the budget.

FIXED MONTHLY EXPENSES

• Rent
• T Mobile
• USAA Insurance
• iTunes
• Direct TV Now
• HP Instant Ink
• NY Times
• Hulu
• Fax.com
• iTunes-Robo Killer

VARIABLE MONTHLY EXPENSES

• Electricity
• Cleaning Service
• Cash/Spending Money
• Uber/Lyft
• Household Misc Items
• Ventra Card Reload
• Gifts
• Giving
• Stuff I Forgot to Budget For
• Extra Money for Hannah

GROCERIES

• Week 1-7
• Week 8-15
• Week 16-23
• Week 24-31
• Groceries When Having Guests

MEDICAL

• Express Scripts
• Medicare Plan G
• Prescription Drugs
• Unanticipated Health Expenses
• Doctor/Dentist Visits

AUTO EXPENSES

• Gas
• Lease Payment
• Illinois Tollway
• Chicago Parking App
• Auto Maintenance & Repairs

PET EXPENSES

• Food
• Vet
• Equipment/Supplies
• Cat Sitter

PERSONAL STUFF

• Toiletries
• Contact Lens Supplies
• Clothing
• Manicures/Pedicures
• Cosmetics
• Dry Cleaning
• Hair
• Splurging

FUN STUFF

• Books
• Movies
• Knitting
• Restaurants

ONE TIME EVENTS

• Michelle's Wedding
• Attorney Fee for Divorce

SAVINGS

• Life Happens
• Retirement/General Savings

YEARLY ITEMS

• Jack's Birthday
• Hannah's Birthday
• Danny's Birthday
• VPN
• Costco
• YNAB
• Skidmore Donation
• Amex Yearly Membership
• 1Password
• Amazon Prime
• Dropbox
• Lyrics
• City of Chicago Auto Sticker
• Car Registration Renewal
• Magazine Subscriptions
• Christmas
• Professional Fees
• Taxes
• New Scleral Lenses

VACATIONS

• Thanksgiving
• Christmas
• Plucky Pop Up
• Montreal
• Iceland

WISH LIST

• Desk & Chair
• Living Room Shelf
• New LR Sectional
• Entry Hallway Mirror
• Outdoor Furniture for Balcony
• Car Lease Buyout
• New Cell Phone
• New Laptop
• New Eyeglasses

Mine are split into Monthly fixed and variable which I fund with my checking account (I buy everything on my rewards card and pay it off each month) and Sinking fixed and variable that I fund with my savings account.