How to Budget for Big Ticket Items

The longer you use an app such as YNAB, or you need a budget, the more familiar you will be with your spending patterns. If you use YNAB for long enough and you're really paying attention to your patterns, it won't bother you if one month is spendier than others so long as you are pulling from savings buckets that you have planned for. Everyone should have some kind of catch all emergency fund, of course, because there are things that come up that you can't anticipate.