Budgeting
Plan for Irregular Bills
Write down expenses that arrive less often than monthly, such as annual memberships. Record the expected amount and due date.
Put it into practice
Divide the amount still needed by the number of pay periods before it is due. If a $120 bill is three months away, the monthly target is $40.
Make it a habit
Update the plan when the actual bill arrives so next year's estimate reflects what you paid.