<prompt> Human: Hey. Im in a pretty good place financially but have never actually budgeted and decided to finally get around to it. Am now pondering between some options; Mint because it is free and apparently is good in retrospect to analyze where your money is going, YNAB because its free for students for a year and I have a need to budget the next 6 months quite strictly will live abroad so living expenses cant be estimated from experience but I know how much I have to use, and just a simple spreadsheet which will allow me to tinker it the way I like.But the question is, when budgeting monthly, how do you deal with one time-payments like a years subscription or home insurance, that are paid in a single rate but used for the whole year? Do you just suck it up and allocate more funds to that month, or artificially spread out the cost for all months? I kinda like this second way as I get a more balanced budget, though I recognize that different seasons will have different spending habits.Suggestions for method of budgeting also welcome, income pretty regular so far but expenses getting out of hand sometimes.  <response>: Everything gets booked when it happens, because a dollar today is worth more than a dollar tomorrow. 