When you’re ready to stick to a budget, you have to do more than just create one and expect it to magically fall in line. It requires you to also carefully plan for unexpected expenses that may pop up when least expected. Instead of falling into the trap of overlooking these things, you should prepare for them. This way you won’t be tempted to give up or throw in the towel. Here are some pitfalls you should watch out for:

• Car repairs and maintenance
• Quarterly or annual fees
• Kids extracurricular activities
• Health insurance
• Parties or events
• Expensive utility bills