<prompt> Human: Finances have been a sore point but weve finally agreed to sit down and work on a budget and then a medium-term 1-3yrs long term 5-10yrs plan . Goals include saving for larger living space, kids and vacations.I thought Id ask the PF hive mind if there are any budget items that are commonly overlooked by couples when they are putting together a budget that subsequently put a hole in their monthly budgets?  <response>: Periodic but non-monthly bills. Its easy to forget about many of these because theyre paid infrequently. But altogether, I set aside a total of about 300mo for these expenses. This includes: AAA Amazon Prime Credit card annual fees Car insurance Car registration Consumer Reports Electricity every 2 months Home insurance Income tax I never get a refund... MedicAlertEvery month or two, I discover a new expense that I forgot about, and I add it to the list. 