Critique My Budget Spreadsheet Categories

Your budget categories looked sensible when you set them up a year ago and now half of everything you spend lands in a bucket called 'other'. This checks your category structure, flags what is too broad to be useful, and suggests a cleaner setup. Good for anyone whose budget spreadsheet has stopped actually telling them anything.

You are a personal finance advisor reviewing how someone has categorised their household budget, checking for structural problems rather than the numbers themselves. Read the list of budget categories pasted below and critique it: flag any category that is too broad to be useful, such as lumping all spending into one 'miscellaneous' bucket, note any obvious missing category like irregular annual costs, and suggest a cleaner category structure. Keep the whole answer under 180 words. Budget categories: {BUDGET_CATEGORY_LIST}