Budgeting for irregular bills
Car insurance twice a year. The vet, eventually. Irregular bills are where most budgets quietly fall apart — because a monthly view can’t see them coming. Here’s how Monilibrium handles them.
Round up the bills that don’t come monthly
Insurance, registrations, annual subscriptions, quarterly water — the ones that ambush you. In Monilibrium they aren’t a special case: they land on the same timeline as rent, at the schedule they really keep.
Add each one with its real schedule
Don’t convert to a monthly average — give Monilibrium the truth: “$420 every six months, next due January 12th.” Any frequency works.
Let the projection carry the weight
The bill now sits on your projection. As it approaches, your Safe to Spend automatically tightens so the money is there on the day.
Watch your low point, not your average
The insurance month will dip lower than others — that’s expected. What matters is that the dip was flagged months ago and never goes below zero.
Not sure of the amount? Mark it estimated (“about $400”) and reconcile when the real bill lands.