During the course of the years, I note that it will be more prudent to plan more allowances on the projected expense for the year. It does not matter whether the projected expense has been exhausted at the end of the year. The purpose of the additional allocate expense is to allow one to prepare for any emergency spending in the course of the year. Nothing beats better for one to be more than adequately prepared for the contingencies that may occur during the course of the year.
I will be more assured and sleep soundly at night with the knowledge that I am adequately prepared for any unexpected circumstances which require excess expense which has been at the standby at any point of time.