<prompt> Human: I am revamping my budget excel sheets and am struggling to determine the best way to track bills that arent monthly. Some examples include HOA dues 1xyrCar insurance 1x6moI initially thought of figuring what each costs monthly and counting it as an expense each month. But what do I do with that money? Should I put it into my e-fund savings account? Or somewhere else? Thanks!!Edit: and then how to track it when the bill is due.  <response>: I would stick the cash into a separate account from your efund. 