rewrite this title 45+ Things You Might Forget to Budget For

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Have you ever wondered if there are things you are forgetting to budget for? If so, you’re not alone! (Psst! Need to set up a budget? Grab our FREE budgeting spreadsheets to get started!)

I recently polled my IG followers about common items people might forget to budget for. They came up with a HUGE list of great ideas!!

Health Care

Insurance co-pays

Prescriptions

Haircuts

Vitamins & supplements

Pet meds & vet visits

Dental & orthodontic work (this can really add up with a bunch of kids!)

At-home medical supplies (bandages, gauze, over-the-counter meds)

Vehicles

Irregular maintenance (new breaks, rotors, AC, etc.)

Oil changes

New tires

Car inspections

Taxes

License and registration fees

Car wash memberships

Saving up for a new-to-you vehicle purchase

Kids and Family

School supplies

Teacher gifts

Supplies or fees for hobbies

Sports fees & equipment

Music lessons and instruments

Tickets for sport/music events and concerts

Hot lunch and special snack money

Back-to-school shopping

Kids’ activities

Family fun

Family vacations

College funds

Holidays and Special Events

Christmas decor & wrapping supplies

Christmas gifts

Postage for Christmas cards

Family photo sessions

Hosting (in addition to your regular grocery budget)

Anniversary and birthday outings / special meals

Home

Home repairs

Replacing home appliances

New plants and flowers

Tree removal

Irrigation repair

Natural disasters

Pest control

Saving up for a big home purchase like a new roof, HVAC, or septic system

Other

Giving & tithing

Unpaid time off work for sickness or family needs

Annual subscriptions (Amazon Prime, Netflix, various software programs, online courses)

Inflation on things you are saving for (they will be more expensive by the time you’ve saved enough)

Whew — that’s a lot!

Don’t panic though! Chances are, you won’t have all of these included in your budget, because everyone’s budget looks different depending on life circumstances, priorities, and goals. And if you use our FREE budgeting spreadsheet to set things up, most of these items fall under one of the fixed or variable expenses categories, so you’ll be set!

I would simply encourage you to nail down your financial goals and then set up a simple budget to track everything. Run through this list after you set up your budget to be sure you didn’t forget anything that’s important to you!

Did we miss anything? What else would you add to this list?

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