Annual

1. Landlord or renters insurance
2. Car insurance
3. Life insurance
4. Health insurance premiums (if not deducted monthly from your salary)
5. Vehicle registration and inspection fees
6. Professional licenses or membership dues
7. Subscription services (like Amazon Prime)
8. Property taxes
9. Annual credit card fees
10. Annual vet check-ups and vaccinations for pets
11. Christmas, birthdays, and other holiday gifts
12. Vacations
13. Charitable donations
14. Home warranty or service contracts
15. Software subscriptions (like Microsoft Office, Adobe Creative Cloud, Antivirus software)
16. School tuition and related costs (if not on a monthly payment plan)
17. Home maintenance projects (like gutter cleaning, HVAC servicing)

Semi-Annual

1. Vehicle maintenance (like oil changes and tire rotations)