Identifying an "average" budget is tricky as each person customizes spending based on income. However, Hands on Banking indicates that a typical family of four with a moderate income of $3,500 in take-home pay would have just $560 for entertainment, savings and other uses.
In the breakdown of the $3,500 monthly budget for a family of four by Hands on Banking, $1,050 goes toward housing expenses. This expense amounts to about 30 percent of the budget. Food is $700, or 20 percent of total spending. The budget includes $350 per month on clothing, which is 10 percent of the budget. Transportation and medical expenses were other significant items.