One of the biggest mistakes in budgeting is to forget about long-term expenses. Whether you’re making a weekly, monthly or quarterly budget, be sure to include upcoming costs that may take more than a single month to save for. Apply these financial tips and strategies to future expenses to prevent a major bill taking you by surprise and causing a financial issue.

Make a Game Plan

Broken appliances, insurance bills and car tune-ups are just a few long-term expenses that can catch you by surprise. Look ahead over the next year or several years and anticipate any major expenses that you should start saving for today. These large payments can cause an emergency that could have been prevented if you had planned for it for months or years ahead of time.