Plan for irregular expenses

Car registration, annual subscriptions, gifts and repairs can wreck a budget that only plans for monthly bills.

How

1. List every cost that comes once or a few times a year
2. Add up the yearly total
3. Divide by 12
4. Set that amount aside monthly in a separate account

General educational information, not personal financial advice. The Thrift Ledger isn't paid by any bank, lender or budgeting app.