Budgeting for Seasonal Expenses can help

Winter weather is unpredictable and sometimes it causes us to have unexpected larger home heating and electricity costs during the winter months.  This can put a strain on your monthly budget.  I recommend that you set up an extra "home" expense account through on line banking and have automatic monthly transfers go in there for whatever amount you can afford.  Even if you can put aside $25 per month, that would give you an extra $300 to help you weather the winter months extra costs.