当你有固定的收入和固定的每月账单时，预算是相当容易的，但是别忘了计划非每月的开支。书呆子告诉我们应该为汽车维修和其他必要的开支预留多少。

网站建议，如果你的汽车保险每六个月到期一次，那么每月在你的存款准备金中留出六分之一，还要记住假期和礼物等季节性开支。

当涉及到维护和更换项目时（你的笔记本电脑不会永远使用，你的汽车轮胎最终需要更换），请考虑以下指导原则：

• Personal property — 2% to 4% of your net annual pay to replace and maintain items
• Car maintenance and tires — 5 to 10 cents per mile. For example, if you drive 10,000 miles annually, you should plan on $500 to $1,000 per year for car maintenance. Most of this would be set aside into short-term savings that you could draw on as expenses arise. But 20% should be set aside in a longer-term savings account to replace tires when needed.
• Home maintenance and replacement — 2% to 3% of your home’s value. Roughly one-third of this amount should be in a longer-term savings account to cover replacement of higher-ticket items like furnaces, driveways and roofs.
• Contingency fund — 2% of net annual pay to cover stuff that you just didn’t think of.

此外，如果你有一个汽车付款，一旦你完成了它，开始把一些或所有的金额，你每个月花在汽车更换基金。

这些将帮助你建立一个更现实的预算，避免意外的账单或财务陷阱，可以阻止你实现你的财务目标。

试试这个预算计划，重新控制你的钱

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