Bellow is what I got so far, but am I missing anything? I don’t need a car and I don’t watch TV
First question: Why do you need both a home phone (land line) as well as a cell phone? You could certainly save money by just having a cell phone.
Also, you mentioned savings, but I would contend that there are several types of savings: immediate (emergency fund), intermediate (vacation, large purchase) and retirement (speaks for itself), just to name a few.
I would suggest that with regard to savings, you do so automatically by having funds transferred from your checking account right after each pay day. Once you get in the habit, you’ll manage just fine and won’t miss the money. After all, it’s not exactly like you are spending it. The funds are simply going to different accounts that will benefit you at a later date.
Finally, you listed a misc. section; that pretty much covers everything else. You might want to try setting a budget. This will keep you on track, plus you’ll be able to track your spending. Try this website for your budget planning: https://www.mint.com/
Good luck to you!