Eliminating “surprise” expenses

Ever think about the fact that the holidays come at the same time each year…yet somehow we forget to budget for them? Or that you need to fill your home’s oil tank a couple of times each year (for those of us in old houses), yet you never seem to have enough cash?

If you take a minute to consider it, there are lots of expenses that only happen a few times a year, so we don’t really plan for them. But why not? A few years ago, my DH and I sat down and brainstormed every annoying expense that had caught us by surprise. Could we somehow anticipate them?