I noticed that the real division of my expenses are: wanted and not really wanted.
First are: my new iPad, new lovely plant, a trip.
Second are: bills, car services, unplanned costs, debts.
Really, it is of less significance if the debt is of category "house" or "personal"! :) Or if the plant is for home or for a car!:)
What matters in first place: is it joy or obligation. Or maybe also: maintenance (like buying gasoline) or development (car upgrade).
Can classes be used for this?
