Every year, the same necessary expenses come around again. There are new clothes to buy, shoes to replace, car tags, Christmas gifts etc. Instead of trying to figure out how to pay for these expenses as they crop up, you might want to build them into your budget as a ‘bill’ and pay for them throughout the year.
Sit down and figure out how much you will need for each expense you will have. Then divide that amount by 12 or even 24 (if you want to pay into this bi-weekly) and add it as a bill into your budget. When you are due to pay this bill, put that money into your savings account and use the Savings Account Breakout worksheet to keep track of how much you have saved for your expenses.
You can also apply your miscellaneous allowance to expenses (read more about that here). Just figure out what is going to work best for your budget to keep everything running smoothly and effectively.