Throughout the year, I will have $1,665 worth of bills that hits me throughout the year. It is not a single monthly charge, but an average through out the year will be assumed here. With that in mind, that $1,665 will average to $140/month to account for these bills. When possible, I will use my discretionary spending, and the money I pulled aside to cover that charge will be used as to how I see fit. This eliminates the need to have to make deposits throughout the year to cover a payment.