Part 4/9:
Life's unpredictability often leads to surprise expenses not accounted for in a typical monthly budget. This rule encourages you to factor in non-monthly or variable expenses by averaging them monthly. For example, that annual Amazon subscription can be divided into monthly allocations.
Additionally, it's vital to prepare for more unpredictable expenses, like medical bills or car repairs, by including a category for saving toward unknown future costs. Proactively preparing can help eliminate financial stress when the unexpected arises.