Comment on YSK that you can/should budget yearly for long term purchases
Nighed@feddit.uk 1 week agoI do the pools idea too.
But every Christmas I sum my expected non regular expenses (maintenance fees, insurance, dentists, cloud storage, etc) and divide by 12 to get the monthly cost so I can spread out the expected budget busters.
otp@sh.itjust.works 1 week ago
I have an Excel file for recurring expenses with dates of recurrence and auto-calculated yearly and monthly totals, and these factor into my monthly/yearly “budgets”. And thus, into how much I need to maintain my emergency fund!