Remember, we asked you to tell us about large annual or semi-annual payments? Annual Needs are all the big expenses you have to pay each year. Most people try to pay these monsters out of their checking account when they come up, but that can lead to serious credit card debt because most people don't have an extra few thousand laying around their checking account in any one month.

Fearless Finance calculates how much you need to save each month to have enough saved up for those big expenses as they come up each year. We also took into account any large payments you get each year like a bonus or tax refund and calculated your Annual Needs monthly savings after that.

Imagine not having to sweat every March when camp needs to be paid for or every time your car insurance is due?

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