Any reasons on why you include taxes in your expenses? Those are highly dependent on location, income, available deductions, etc.
IMHO taxes, investments (ETFs, stocks, bonds, Pillar 3A, 2 additional contributions) should be taken out of expenses as they tend to distort the real picture.
Mortgage repayments, maintenance fees on the other hand should be included in expenses (but not amortisation).
Glad to hear feedback on this.