Think of the car insurance bill that has a way of showing up every six months, or the water bill that slithers into your mailbox every three months—always out of the blue, always when you just thought you were getting ahead. Rule Two prompts you to break those bigger expenses into monthly installments so you’re prepared to pay them when they hit. When you do this, big expenses don’t feel so big, and you’re never blindsided. Because let’s face it: you know when your car insurance bill is due; you just don’t think about it until it’s in front of you. And it always lands at a bad time.
