These are expenses that come up once or twice a year. Fill in the estimated costs under the month they are due. Add your total yearly periodic expenses and divide by 12 to determine the monthly portion. Monthly portion periodic expenses 12 3. Estimated Monthly Expenses 2a.
People often wonder how their spending compares with that of other families.
Expense Trimmers Consider refinancing your mortgage. If prevailing mortgage rates are below your current level, refinancing could produce significant savings if you plan to stay in your home long enough to recoup refinancing and closing costs. Considerable money is spent on random trips to a mall or hardware store. As an alternative, look for potentially less expensive, but equally enjoyable activities. Take the children or grandchildren roller skating or ice skating.