Annual expenditures

[movinghouse23]

I'm trying to create some sinking funds so please share your annual expenditures eg insurance, school uniform, holidays etc. I need to be more organised with money. I have 3 small children!

Thanks

Dental fees?

MOT
New tyres
Car servicing
Christmas presents
Christmas food and drink
Annual holiday
Opticians costs.
Kennels/cattery fees.

What others spend won't help as everyone has different circumstances, priorities and budgets so you need to look at what suits you.

What's important is that you save something it doesn't have to be super accurate as you can move money between pots eg if your car doesn't need a lot of work for a while you can cope if your insurance renewal is more than you expected.

Moneysavingexpert.com will help with your budget then you can just start putting money away on payday for those annual and irregular expenses so they're covered before you spend what's left on days out or other non essentials.

https://www.moneysavingexpert.com/banking/budget-planning/

Christmas
Birthdays
Insurances
Dental
Prescriptions
Annual house maintenance stuff like gutter clearance
Annual subscription things like house alarm fees, Microsoft licence or service costs
Mot and car service
Club fees for dc
School uniform
School/college bus
An amount for winter fuel
Breakdown cover
Holidays
Clothes for everyone
Summer childcare
Vet fees
A fund for household emergencies

I have...

School uniform
Other school costs (books, trips)
MOT
Car insurance
Car maintenance (tyres, battery, oils change etc)
Birthday presents
Home insurance
Amazon prime (annual subscription)
House maintenance (boiler check etc)
Health (Dental hygienist, eye glasses etc)
Christmas
Summer holidays