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      > A problem I have is that someones birthday or anniversary will come

      > up or an oil change or doctors bill.. just something I didn’t expect.

      When you think about it, birthdays, anniversaries, oil changes etc. ARE

      predictable. I think most people don’t put enough categories into their budget.

      My budget is in an Excel spreadsheet, and the categories (and sub-categories)

      take up two pages when printed in “landscape” mode.

      Perhaps we could all try to think of categories that people might forget to put

      in their budgets, and post them here. Here are a few to get us started:

      – AAA membership

      – printer ink, paper, etc.

      – yearly excise tax on car

      – children’s birthday parties

      Suzanne

      Join this group to find out about local deals and

      bargains:https://groups.yahoo.com/group/frugalinmassachusetts/

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