Some of those expenses are not random but very predictable, and they are certainly different categories and need to be handled differently.
car tabs/registration, identity protection service, precious metals account fee
The fees for these can be predicted, and you know the date. Adding to these types of expense are annual fees of any sort Amazon Prime, life insurance, and property taxes come to mind.
For these kinds of expenses you need a sinking fund. Add the total cost of all these items and divide either by month or by paycheck. Then budget to set aside the appropriate amount to make sure you have enough funds to cover each expense. When the expense come due pay it out of this fund. Now, when you first start, you may have to dip into other savings to cover fees, but within 6 months or so, it should all be square.
gifts for birthday parties
Some birthday parties are predictable and can be added to the fund talked about above. Others are not and you need to have a different line item. We have a Misc Spending line item that has a decent amount dedicated to it each month.
projections for paying off debt, saving for a house
Given this fact, I would advise against having a Misc Spending line item, or keeping it very low. We are in a much different place financially and when we did have debt we did not have such a line item.
When I was in your shoes, I worked extra and squeezed every nickle out my income to pay off debt. It is very difficult to wander out of debt, you have to be intentional and focused. A few areas that I would recommend cutting your budget from your short post:
- Identity theft protection. Having been a victim of fraud while I had such insurance, I can tell you that it is mostly useless. You can save money by putting a freeze on your credit and canceling this insurance. When you go to buy a home you can unfreeze.
- Precious metals account fee. Why are you speculating, and paying a fee to do so, while you have debt. Sell the metals and close the account. You will get a nice return buy paying off your debt and it is risk free.
- Birthday party gifts. While you seem generous, it probably is not to time to be so generous. Can you be creative and find a way to give a gift that does not cost money? Perhaps detail a friends car or baby sit for a couple? Take a young child fishing or to the zoo? Something that cost little or no money that may be more valuable then any gift you can purchase.