As a financial planner I meet many different types of people, single, married, with children or without, seniors, and anyone else you can think of. Everyone has a different personal budget it seems whether its a conscious choice about how much they spend money in different categories or a 'fly by the seat of the pants' approach which is also a budget of sorts - its just really short term budgeting!
As a general rule, when I find people are in financial trouble, it is likely I will find overspending in some categories and a general lack of savings to help smooth out life's bumps and irregularities. This can be a habitual problem with many people - they spend too much and don't save enough. Many times I recommend that these people start a more rigorous budgeting procedure and a more disciplined approach to spending and consumption.
I was curious as to the average Canadian's budget so I dug up some StatsCan data and put it into a chart. The numbers are for 2005 - click to enlarge.
Generally speaking, Canadians don't save enough and they pay a lot in taxes.
And for interest sake here is my personal family budget.
I know the categories aren't the same but it is interesting to compare. I would roughly fall into the "Couple with Children" category. I spend significantly less on taxes, food, and transportation than average. I also invest and donate far more than average and I pay more on my mortgage than average. This is likely because 1) I live in the most expensive real estate market in the country and 2) I have a very short amortization period. Other differences are that I don't gamble or smoke and I don't have any education expenses.