Where I work, we have this concept of Stupid Tax – when someone does something stupid and it costs them money. My wife and I thankfully haven’t had too much stupid tax, but we did have one big expense that came down to me stupidly holding on to something that was “mine”.
When we first started using a written budget about 5 years ago, one of the first semi-irregular expenses that we had to start budgeting for was car maintenance. Up until that point, if a tire wore out or a battery needed to be replaced, we just whipped out the credit card, and worked it out at the end of the month when we paid our statement. It turns out, …
