Recurring lines
- Childcare or school care
- Food and snacks
- Healthcare and prescriptions
- Diapers, wipes, clothing, and supplies
- Activities, lessons, camps, and birthdays
- Transportation and car-related costs
- College or future savings
The sinking-fund trick
Annual costs like summer camp, school supplies, sports fees, holiday gifts, and medical deductibles should be divided by 12 and saved monthly.