Answer:
Expense Jan Feb Mar Apr May Jun Jul Aug Sep Oct  Nov Dec
mortgage payment X X X X X X X X X X X X
utilities X X X X X X X X X X X X
insurance X   X    x   x   Â
internet X  x  x  x  x x  x  x  x  x  x  x
cell phone X x  x  x  x  x  x  x  x  x x  x
car loan X       x     Â
lawn care    X  x  x  x x  x   Â
food X X X X X X X X X X X X
day care  X   x   x   x   x   x
gym membership        x     Â
Explanation: