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The last category, extraordinary items, could be the one which trips up so many of us. Extraordinary in this instance means expenses that happen while on an irregular basis but typically occur annually, or even many times a year. We may think our monthly expenses are say, $5,000, but due to these extraordinary expenses, the real monthly nut could be more detailed $6,000. This is why your detailed analysis of current expenditures can be so revealing. You may ignore the cost of repairs and maintenance on your own home, or your car, over 4 seasons.
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