23/09/2026
Most budgets fall apart on the things that don't come round every month. 🗓️
Car repairs, the vet, Christmas, the annual insurance renewal, the dentist, the boiler that gives up in November. None of it is a surprise, but if it isn't in the plan, it can become one, and that's usually where the credit card comes back out.
The fix is to add up what those things cost you across a year, divide by twelve, and treat that as a bill like any other. It'll make your monthly budget look worse, which is the point... It's what your budget has actually been all along.
Our budget planner is free, and it prompts you for those payments you're likely to forget: https://bit.ly/4ylPIhT
📌 Don't forget to save this for when you next sit down with your finances.