http://au4yzdbjecilztvha6esgqper5mmtnpqxnyc2tlqky3h4jud2q5a.b32.i2p/r/AskReddit/comments/1lf8v0k/whats_a_normal_money_habit_that_secretly_ruins
Irregular expense fund is for things you expect but aren't monthly, like home/car repairs, car registration, car insurance, life insurance, appliance replacements, etc. You know those things are going to happen so set up a savings account and set up automatic transfer to it monthly based on a liberal estimate of your annual expenses of this type (and add more for buffer), divided by 12.