PlannedOutStop being surprised by yearly bills
Most budgets break in the month a big yearly bill lands. PlannedOut keeps annual items apart from day-to-day spending so you see them coming and your monthly trend stays honest.
Typical annual and irregular expenses
- School and college fees
- Health, term, life and motor insurance premiums
- Property tax, advance tax, society charges
- Annual subscriptions and memberships
- Festivals, weddings, birthdays and travel
- Car servicing, gadgets and home repairs
How PlannedOut handles them
- Mark any entry as an annual item
- See every one on an annual calendar
- Know the yearly total and the monthly share to set aside (a sinking fund)
- Grow the annual amount with inflation in your projections
Questions
What is a sinking fund?
Money you set aside every month for a known future expense, like a yearly premium. Dividing the yearly total by twelve tells you how much to save each month.
Why separate annual expenses from monthly spending?
Because one month with a large bill makes spending look out of control, while other months look too good. Separating them shows your true monthly trend.
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