You know those months when it seems like every single “extra” hits you at once? You’d been doing so well sticking to your spending plan—until your dog got sick and you had to rush him to the vet. And your car needed new brakes. And you had to buy a birthday gift for a last-minute party. And now your budget’s completely wrecked.A scenario like that may be hard to predict, but it’s not an uncommon one. Think back, and you’ll probably realize something similar happened a few months ago and a few months before that, too. Because the truth is, the only thing unpredictable about unpredictable, non-monthly expenses is which one will hit you when. Unexpected expenses actually come up pretty regularly for most of us.

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