When developing a money plan and expense allocation chart, the following aspects need to be considered:

1. Income: Determine the total monthly income, including salary, return on investment, etc.

2. Fixed Expenses: List the fixed expenses that must be paid each month, such as rent, utilities, phone bills, etc.

3. Variable Expenses: These are the expenses that can be controlled, such as groceries, recreational activities and shopping. Be careful not to go over your budget here.

4. Savings goals: in order to achieve long-term financial goals (such as retirement or travel), a portion of your income should be stored in an emergency fund or other investments.

Here's a simple money plan and expense allocation chart that can be adapted to your specific situation:

Income:

- Salary: $XXXX

- Return on investments: $XXXX

Fixed expenses:

- Rent/mortgage: $XXXX

- Utilities, Gas and other utilities: $XXXX

- Phone, internet and cable service costs: $XXXX

- Vehicle insurance, gasoline and maintenance costs (if applicable): $XXXX

Variable Expenses:

- Grocery purchases (including restaurant take-out): $XXXX

- Recreational activities (e.g., going to the movies, traveling, etc.): $XXXX

- Shopping (e.g., clothes, shoes, and household items): $XXXX

Savings goals:

- Emergency fund: $XXXX

- Other investment plans (e.g., stocks or a retirement account): $XXXX

Please note that this is a simple template that can be adapted to your specific situation. When creating your expense allocation chart, make sure you set aside enough money for necessary expenses and prepare for the future. If you find yourself struggling to control variable expenses, consider creating a budget and avoid going over it. Finally, remember to review and update your capital plan and expense allocation chart frequently to ensure that your finances are in line with your goals and that you can always make necessary adjustments. For more detailed or personalized advice, consult a professional financial advisor or accountant. They can provide more accurate, comprehensive and useful advice on a case-by-case basis to help achieve long-term financial goals and manage risk.