<prompt> Human: Sorry if this is one of those talked-to-death topics, but I ran into a bit of a snag with my monthly budget and was hoping for some input its not covered in the FAQ.I started tracking my expenses in January and included a line for gifts, figuring that its likely that I purchase gifts for friends and family once a month. However, this month I bought my boyfriend a birthday present that put me over budget by about 150 for the month.I also have a bachelorette trip coming up, and although I have a line for EventsSpecialOther it will again come in well above the amount Ive budgeted for that line. And then I started thinking, what about things like Christmas presents?What do you do about expected larger expenses like this that dont come up monthly? Do you just say whoops, over budget this month? My budget is there to help me save and be conscious of my spending habits, as I dont have any debt to pay off. So, the only impact is that Im not saving as much as I had targeted. I feel like I should be able do something other than shrug and say oh well.  <response>: I practice oh well. Our online savings account isnt just our emergency fund. It is also a car replacement fund and income smoothing fund to cover irregular expenses like taxes, insurance, vacation expenses above monthly income, home repairs, etc. 