Most people who follow a budget look at one month at a time. But not everything you have to pay for comes up once a month. Some expenses — like quarterly car insurance, holiday gifts, birthdays, and annual subscriptions — come up less frequently. If you don’t plan for them ahead of time, they can really throw your monthly budget out of whack. Instead, we recommend saving a bit of every paycheck ahead of time. This worksheet will help you make a list of all your non-monthly expenses and calculate how much to set aside out of every paycheck in order to budget for them.