Annual insurance, car repairs, gifts and holidays feel like surprises, but they are predictable. Add up what you expect to spend on them in a year, divide by twelve and move that amount into a separate pot each month. When the bill arrives, the money is already there.
General tips from the Cashflow Team, not financial, tax or legal advice. Your situation is different, so talk to a qualified professional before big decisions.
Track it in Cashflow
Cashflow: Budget Manager is a free app to scan receipts, set budgets and savings goals, and see where your money goes.