One-time charges (and when they’re not)

One-time charges (and when they’re not)

Car insurance, a broken water heater, a trip: none of them happen every month, and each one belongs somewhere different. Here’s how to tell, and why it matters to your forecast.

Tip: turn your phone sideways for a bigger view.

Big charge? Ask: is it on a schedule?

• Yes → make it a Fixed billEven once or twice a year. It gets its own row on your forecast. Car insurance, property tax, summer camp.
• No, and you saved for it → pay it from your fundThe fund pays, so your Excess Cash doesn’t go down. Trip fund, emergency fund.
• No, and you didn’t → mark it one-timeStill counts, but stays out of your usual amount per day. Water heater, a home project.