Make the list
- Vehicle registration and maintenance.
- Annual subscriptions and memberships.
- Holidays, birthdays and gifts.
- School supplies and activity fees.
- Medical and dental costs not covered elsewhere.
Spread it out
Add the yearly total and divide by twelve. That monthly figure goes in your budget.
Where to keep it
Some people use a separate savings account or a labelled envelope. Choose whatever makes the money easy to see and hard to spend by accident.
Review once a year
Update the list each year as costs change.
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