You know that things will “just come up” – school expenses, new shoes or an annual membership. Set money aside to pay for these expenses so you can afford them without going into debt.
Set up a binder with one page for each seasonal expense item listed on your Budget Worksheet. The first page is what is actually in your savings account (A). List the date and how much you deposit or withdraw each time. The subsequent pages are for the items you will need money for when the time comes, e.g. car repairs, vacations, gifts, clothing, etc.
Add unexpected money you receive to your seasonal expense savings account. It’ll add up to a nice surprise when you least expect it!