One part of budgeting I have never been very good at is quarterly or annual expenses. I can pay them when they come up, but I'm always kicking myself for not saving for them, so that my budget doesn't take such a hit in that pay period it's due.
I've been jotting down the expenses as I think of them. I think I have most, if not all, of them listed now:
Life Insurance: $330
Car tabs: $160
Property taxes on land: $900
Amazon Prime (share w/DD) $54
Annual website hosting (this is for a website DH manages/updates for a non-profit club, we have always paid the hosting fee, while he's the one doing the website): $143
I need to be putting aside at least $157 a month for these! DD just messaged me last night. The annual Amazon payment comes out of her checking...well she opened a new checking at a credit union and isn't really using the old one, other than she had about $55 in it. The Amazon charge went through last night and overdrew her. She (and I) forgot all about it. She's not a student anymore, so now paying the full prime rate. I told her since I also use it to order stuff off and on, I will still pay for half of it. That checking is still linked to mine, so I transferred my share $54 and brought her back to having $5 in her account. She must have had overdraft protection (if she deposited within 24 hours) as she thankfully wasn't charged for the overdraft.
I'm sure there is something I have forgotten to include, but at least now I can be starting to put money aside for these each month.
I made myself a doctor appoint for this Friday morning. I have a half work day, so I'm just going to use a half day of vacation and take the whole day off. I need to get my prescriptions for my heart and cholesterol medication filled. I decided to try a doctors office in the city....where no one knows me. LOL. I'm not quite used to this small town, everyone knows everything stuff. Plus, once we get moved to our property, the city will only be about a 35 min drive. I'm going to a "women's health clinic". Sounds like a good mix of female providers, even a naturopath. I also see from their website that you can do a virtual visit (once established) for minor problems.
And I just got an email this morning from my health insurance company where they are offering "Doctor On Demand" Virtual visits. It looks like my co-pay for a visit like that would be $10. Plus, by signing up and registering they will give me $5 off my first appointment and are also supposed to send me a $5 Starbucks e-giftcard. Don't know that I will need to use the service, but at least I have that option now, if I come down with something like a rash or a sore throat, etc. Sounds like it would be a convenient way to go, since we live rural.