I used to joke that, while life takes Visa, as the commercial says, life also just takes everything you’ve got. It’s almost as if the powers that be know the moment you get a big tax refund, some birthday cash, or a raise. And when they hear it, they think this is a great time for you to receive an unexpected bill. You thought you were spending that bonus on a vacation! That’s hilarious. It turns out that you got a parking ticket. Or you need to see an ear nose and throat doctor multiple times to clear up an infection. That just seems to be the way life and money work. When asking for a raise, calculating my fees for a client, or deciding how much to invest, I used to only think about how much money I need for regular, expected expenses. That means groceries, rent, gas, health insurance, and things like that. But I soon learned that life will not only throw you expected expenses. You need to learn to expect the unexpected, and be prepared a.k.a. budget for that. Here are unexpected expenses you should prepare for yearly.