Add to this record expenses such as taxes, insurance, or clothing, which may occur much less frequently, and use monthly averages for them
Ɛtow, nsiakyibaa, ne ntade ho ka a mobɔ no, ɛnyɛ ɛka a mobɔ no da biara, enti monkeka ɛho sika nyinaa mmom na monsẽsẽ nhu ɔsram biara de dodow, na momfa nka kyerɛwtohɔ no ho.