Budgeting for monthly expenses is usually pretty straight forward. You have expenses that occur regularly every month, and many of them, such as a mortgage, insurance, and cell phone, are all the same amount every month. These fit into the monthly budget fairly regularly and are easy to plan. You know that you have a certain amount of income, and you know that you have regularly occurring expenses (usually of the same amount), and you pay them. You have budgeted for food and household expenses that are fairly regular and predictable. After paying yourself, of course, through regular savings, whatever is leftover you can budget into categories such as entertainment and "mad money." But what about those expenses that only occur a few times throughout the year? My bill for the trash removal is over $125 dollars but only occurs every four months, for example. We usually owe on our income taxes, and that only occurs once a year. Automobile regi...