Yearly Budget Items (paid once annually)

I budget those every month in my regular budget. If my auto insurance is $120/yr (haha) then I set it’s budget to $10/mo. Easy breezy.

Note that this applies to the Savings Budget addon sheet. There’s also a Savings Tracker addon sheet that makes make sure you’re on track for those types of expenses (and other longer term savings goals). I’ve found that budgeting like this really smooths things out and I’m never caught off guard by some big expense.