Some weeks, you transferred too much and other weeks, not enough. The ongoing result will be a steadily growing fund that will be available for that stabilizing effect whenever it's needed. These bills are for varying amounts based on your budget projections of monthly surplus. Only this payment goes directly to the savings account that is your stabilizing fund. The important aspect of any system designed to support this process is that it become routine, not special.
Time does fly by.
Before you even realize it, your fund can have many thousands of dollars in it ready to fill in those valleys.