There are various acceptable ways to report operating expenses on the income statement. Here Are Some of the Most Commonly Occurring Unexpected Expenses That Occur During Retirement: Family Members May Need Your Support Whether it's your parents, children, or grandchildren, you're probably going to be called on to offer some financial support at some point in your life. To start, review your expenses over the last 12 months. . Customer relationship expenses will also be part of this. As you can probably tell already, selling and administrative expenses are a bit of a mixed bag. [1] When it comes to repairs, you can pay $500 for brakes, between $400 and $900 for a timing belt, and $400 to $600 for a new starter.[2]. Sanitisation costs: As it may take more time to fully recover from COVID-19, cost of sanitisation will continue, at least in the short-term. While the cost to replace a desktop computer is minimal, new copier and printer costs can seriously impact the budget of a small business. The average ER visit for infants and children younger than 18 cost $796 in 2019. Interview key witnesses with information about suspected fraud. If the amount is insufficient, the board must explore other options as described below. What to consider: Carrying a large balance can introduce new anxieties, like high-interest . Its for things you really need and cant put off, not for optional expenses that might make life a little easier or more convenient. 5 times you may want help with money, Working with a financial advisor can increase happiness and confidence, How much is a financial adviser? as well as other partner offers and accept our. A car repair, a medical bill, or a broken window can all cause a financial headache. When a business creates an income statement, it sometimes separates the revenue and expense items into sections on whats called a multi-step income statement. The best approach for expenses, whether they're unexpected or overlooked, is to plan ahead. Those are predictable. 2. Create and maintain records detailing purchases. . In addition, you'll have to pay escrow expenses, as well as a pro-rated amount of property taxes and possibly homeowner's association fees. By submitting my information, I agree to Self's, https://www.jdpower.com/cars/shopping-guides/how-much-does-it-cost-to-tow-a-car, https://www.aaa.com/autorepair/articles/planning-for-auto-maintenance-and-repair-costs, https://glassusa.com/blog/how-much-does-it-cost-to-replace-a-windshield-without-insurance/, https://www.millionacres.com/real-estate-investing/articles/7-expensive-home-repairs-you-need-be-aware/, https://www.webmd.com/health-insurance/features/surprise-billing, https://www.federalreserve.gov/publications/files/2019-report-economic-well-being-us-households-202005.pdf, https://consumerhealthratings.com/healthcare_category/emergency-room-typical-average-cost-of-hospital-ed-visit/, https://www.cnbc.com/2018/06/14/are-you-prepared-for-a-pet-emergency-most-americans-are-not.html, https://www.caranddriver.com/car-insurance/a36367346/types-of-car-insurance/, 15 Easy Money Saving Challenges To Try Right Now, Consent to the use of Electronic Documents and Signatures, J.D. Best Mortgage Lenders for First-Time Homebuyers. An expense in accounting refers to the money spent and the costs incurred by a company in pursuing revenue. You can use budgeting apps to help you track expenses; some will even cancel unused subscriptions for you. After looking at the expenses, management found out that general and admin expenses were three times what selling expenses were. This will help you avoid unnecessary expenses so you can maximize your emergency savings. For instance, if your small business pays $24,000 in rent, $2,400 in utilities and $150,000 in managers salaries, you would report these as general and administrative expenses in the operating expenses section. Debbie rents a small office where she practices law. Her informative articles have been published in various news outlets and websites including Huffington Post, Fidelity, Fox Business News, MSN and Yahoo Finance. Gaining experience in production helps accountants and accounting graduates advance into the role of film production manager. unexpectedly adverb [ADVERB adjective, ADVERB with verb] Collins COBUILD Advanced Learner's Dictionary. Set up a savings account for irregular expenses and transfer money on a monthly basis to cover them. Simply put, account expenses are the costs involved in running a business, and collectively they contribute to the activities involved in generating profit. 5. In addition to working for the government, forensic auditors can work in the private sphere, investigating company finances, personal finances, and financial statement fraud. Trained accountants can also market personal finance advising services, act as independent CPAs, or run businesses that bridge accounting and entrepreneurship. An irregular expense is an expense that you can predict will happen at some point but you may not know when. An accounting degree prepares graduates for positions as development managers, overseeing budgets to ensure an organization meets its financial goals. Evaluate everything from impulse fast-food buys to streaming service subscriptions. Explore exciting and unusual accounting career options with this guide to unique accounting jobs. PROPERTY FINES. This will help you decide how much to save for them. For irregular expenses, look over your last 12 months of spending and identify those costs. Cost of fueling distribution vehicles. According to the Federal Reserve, 22% of adults incurred unexpected medical expenses in 2019, with the median expense falling between $1,000 and $1,999. Because of this dynamic, a manager analyzing these numbers should make sure to distinguish between the companys baseline fixed costs and the incremental variable costs that rise and fall over time. Online banking has made it easier than ever to check your accounts whenever you want from a mobile device or computer, without waiting for a monthly statement. Have an Emergency Fund. Film production managers typically hold a bachelor's degree and several years of production experience. Creating a safety net to buffer you from unexpected expenses doesn't need to be difficult, but it does involve planning to cover all your bases. Do you have the right kind of coverage? You can use HSA funds to pay for treatments like acupuncture, aromatherapy, and traditional Chinese medicine. The variable expenses could be correlated to sales, to head count, or even to capital spending. If you're using thewrong credit or debit card, it could be costing you serious money. Doing so is referred to as "borrowing," and attorneys do it for many reasons: because they have cash flow problems, unexpected expenses, or simply . Building in an annual increase in product costs can help, but they do nothing to cover a mid-year price increase. Oversee a nonprofit organization's development plan. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. Entrepreneurs do not need to meet typical education requirements. Compare lodging amenities and costs and decide what you really need and what you can take a pass on. Within that discussion, it was felt that we needed a review of BIS guidelines on Unexpected Loss (UL), Expected Loss (EL) and Economic Capital (EC) to make a more appropriate comparison of EC methods and tools. GET ME ORGANIZED Selling and administrative expenses are typically a huge line item on a companys income statement. Debbie has two choices. Mary Girsch-Bock is the expert on accounting software and payroll software for The Ascent. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. An administrative budget enables management to exercise control of the day-to-day activities of the business. As you go over your expenses, it can help to take note of any that youve overlooked everything from new tires to school supplies and write them down; then, add them all up and divide by 12 to get your monthly costs. When the roof of Jills restaurant was damaged earlier in the year by a tornado, she put in a claim with her insurance company, which covered the cost of repair. Example : Every September you pay $600 for your life insurance premiums. Design financial plans for a startup business. To account for the expense, debit Samples or Supplies on the income statement and credit either Bank or Accounts Payable, depending on whether the samples have been paid for. Also, income tax expenses, interest expenses and losses on the sale of assets belong in the non-operating expenses section. The answer is: yes. Log In. They help create and implement a nonprofit organization's long-term plans, such as designing growth strategies for the organization. Advertising, Promotion and, Marketing expenses (whenever these expenses amount to a significant figure, accounting professionals are of the opinion that they are better recognized as a line item in the income statement) Cost of transportation. Big, unexpected expenses are a fact of life, but they don't have to be overwhelming burdens or roadblocks. Questions? As prices rise, personal budgets are squeezed tighter and tighter, making it even more difficult to set money aside for the proverbial "rainy day.". An officer of the employer earning more than $130,000; 2. Either option will cost her money that she did not have budgeted, so its up to her to figure out which one will cost less. Unexpected expenses differ from two other categories: predictable expenses and irregular expenses, which well look at next. Your copier stops copying. When your accounting software produces your financial statements and projected budget, you breathe a sigh of relief, happy that the process is over. How Much Does Home Ownership Really Cost? 4. Being out of commission for weeks at a time can seriously impact your business. Use the same method of setting aside money each month. A cash reserve is an emergency fund for your business. But its easy to overlook other predictable expenses that happen less frequently, such as property taxes, car registration fees and annual or bi-annual car insurance payments. A bit of advance planning can help ensure you have money in the bank for surprise costs. Emergency Room - Typical Average Cost of Hospital ED Visit,, CNBC. But that might not be enough. Accountants can start their own financial advising company with a bachelor's in accounting, although operating as an independent CPA requires a master's in accounting or an accounting graduate certificate. The primary risks for accounts payable and expenses are: Accounts payable and expenses are intentionally understated Payments are made to inappropriate vendors Duplicate payments are made to vendors Keep these in mind as you audit accounts payable. [6] Thats not to mention unexpected medical bills for kids, such as a tonsillectomy, or for your pets if they develop serious conditions. While her two techs tried to fill in as much as possible, the business lost a significant amount of sales revenue. For example, you can allocate one per cent of all sales to this reserve fund. Wellness plans that include a good diet, exercise and adequate sleep also help. Even better, how can you prevent them from blowing up your finances? Expenses refer to costs incurred in conducting business. It can occur if you need to attend a funeral or if you need to travel for a wedding. Featured or trusted partner programs and all school search, finder, or match results are for schools that compensate us. However, you received a letter in the mail yesterday informing you that Vals will be raising its prices by a whopping 30% next month. Home Bookkeeping 48 Unexpected Expenses that will Bust Your Budgetand how to pay for them. You can help reduce the chances of incurring unexpected costs by seeing your medical provider regularly and addressing issues before they develop into more costly conditions. While you can plan for regular maintenance when you have a car or a house, you can't plan for things like natural disasters, burglary, or accidents. The first thing to note: Some costs are unexpected such as a medical emergency or travel for a funeral while others are simply irregular, such as holiday travel or a quarterly water bill. Small businesses and accounting professionals can use Quickbooks for the following accounting functions: Invoicing and Tracking; Managing bills and expenses; Preparation of financial reports like balance sheet, profit and loss statement, and cash flow statement; Tracking of employee time and expenses; Payroll management While your strategy may vary depending on the type of expense, the solution for both is to save. You can prepare for these expenses by building an emergency fund. Thats why it is important to account for predictable, irregular and unexpected expenses in your budget. A few examples include medical emergencies, major home repairs from a natural disaster, and last-minute travel for a funeral. Finally, another good way to recover financially after an unexpected expense is to reduce unnecessary costs. We have not reviewed all available products or offers. Once youve done that, you can deal with how much youve paid for truly unforeseen expenses. The content presented does not reflect the view of the Issuing Banks. Perhaps one of the most unexpected expenses to be found in retirement is that associated with divorce. In fact, some of the most famous entrepreneurs, including Bill Gates, Ted Turner, Anna Wintour, and Ellen DeGeneres, never earned a college degree. When items of income or expenses are material, an entity shall disclose their nature and amount separately (IAS 1:97). 5% Assessment. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Learn more. If youre not familiar with Murphys Law, it guarantees that if you budget for 20 expenses, the only one youll incur will be the one you didnt budget for. Send us a note at. 4. An individual who owns more than 1 percent of the employer and compensation greater than $150,000. Read our editorial standards. Accounting Treatment . But for those of you who rent, theres no way to predict how much your rent increase will be. These expenses are vital to a companys success as they are incurred to increase efficiency or comply with laws and regulations. 11 Unexpected Expenses of New Home Ownership. A tax audit is often unexpected and usually costly. Accountants do not include these items when calculating general profits and losses for the time period in which they occurred. You may have signed up for free trials youve forgotten about, only to find they have been converted into automatic payment plans without you realizing it. Use your emergency fund if you have one. Open a credit card account just for emergencies. If you have a student loan, you may be able to claim the Student Loan Deduction worth up to $2,500. Starting an emergency expenses fund or obtaining a line of credit from your bank can go a long way toward being able to manage unexpected bills. Report on the Economic Well-Being of U.S. Auto Expenses: Make a list of costs that could fall into this category. Countless surveys over the years have found that most Americans live paycheck to paycheck, and the pandemic has exacerbated the problem. While unforeseen expenses are only unexpected until you know they can show up, we frequently forget about some of them and neglect to factor them into our plans and our budget. See unexpected expenses for accounting terms guide in accounts of course of schedules or about costs benefit programs perform a healthy. Ana Gonzalez-Ribeiro, MBA, AFC is an Accredited Financial Counselor and a Bilingual Personal Finance Writer and Educator dedicated to helping populations that need financial literacy and counseling. And if youre lucky enough to be included in the bankruptcy settlement, it will be a fraction of what they owe you, and youll likely not see that for months, if ever. Although Mike has consistently budgeted for repairs to the rink itself, he did not budget for repairs to the compressor, which went out one Friday night during a free skate. They may also purchase accessories, shoes, and jewelry. They analyze financial documents to identify financial fraud, embezzlement, extortion, and other illegal activities. Your anchor client always pays you on time. The only problem is that you never know when certain expenses will pop up nor how much you'll have to pay. Over the next six weeks, the auditors looked at just about every one of Daves invoices, checks, receipts, income statements, and bank deposits for the past two years. the expense was not anticipate and no reserve funds were set aside for the expense. Film production managers meet with producers to estimate the cost of the production. Image source: Author. The content on this page provides general consumer information and is not intended for legal, financial, or regulatory guidance. Typical company expenses from accounting, legal, sales, marketing, facilities, and other corporate activities fall into this category. One of the best ways of dealing with unexpected expenses is to plan ahead for them. Unexpected price increases are difficult to predict. Many forensic auditors also earn theirCPA credential. Appliance Repair or Replacement. This means cutting back on certain things you are spending money on in your daily life. Then you absolutely essential skill that unexpected expenses . Though unpredictable or damaged shipments are not in your control, having extra funds available to get through a temporary downturn would be extremely helpful. These costs may be fixed or variable; for example, sales commissions are a variable selling expense dependent on the level of sales the sales staff achieves. Cars break down when we are least expecting it, and admittedly, it can be one of the most inconvenient expenses. Comments? Unfortunately, the inventory she was waiting for was damaged during shipment, putting her even further behind than she already was. To make the process easier, automate transfers from your paycheck or checking account to your savings account. Individual providers may be outside your network, too, which can add to your costs. You can start by setting a goal for a specific amount of money you want to save over the next year. Image source: Author. There are many different types of unexpected expenses that may come up. Since so many industries rely on these workers, accountants can pursue a wide variety of careers. Forensic auditors combine investigative skills with accounting abilities. Offer accounting services as an independent accountant. Nov 23, 2022. Business Tips To Make The Most Of Instagram Promotions In 2023 . Some people may require enough cash to cover 9 months of expenses to feel . Assuming it's January but it's too late to squeeze it into the budget in January, you will have 8 months to save for this annual expense (Feb-Sept). She had a weeks worth of orders she couldnt fill because she was waiting on an inventory shipment. TheBLS reports that accountants and auditors earnan annual median salary of $70,500. Here are the board's options for funding unexpected mid-year expenses: 1. An unexpected expense is one you cant have foreseen. Some of them are: Cost of damaged goods because of events such as rains, fire, robbery Legal expenses in case of legal situations Discounts and sales Staff overhead expenses One needs to understand the expenses when they will be incurred and start accounting for them right from the start. Keep reading this article to find out 3 great ways to prepare for unexpected expenses: 1. In order to get ahead of and stay on top of these expenses, it's important to create a game plan. Birthing problems requiring a C-section: $1,500 to $3,000. Always replace old equipment before it dies and leaves you with even higher costs. In order to plan for unexpected expenses, its a good idea to have at least three to six months of living costs saved in an emergency fund and ideally, one year. [7] When it comes to unexpected veterinary care for cats and dogs, according to Petplan, the average cost in 2018 was between $800 and $1,500.[8]. When items of income or expenses are material, an entity shall disclose their nature and amount separately (IAS 1:97). What is an unexpected expense? Learn how to prepare for major expenses that your budget didn't anticipate. Sanitisation costs: As it may take more time to fully recover from COVID-19, cost of sanitisation will continue, at least in the short-term. Once you note your regular expenses . Conduct outreach efforts to reach growth milestones. Unexpected Expenses. A true unexpected cost is unpredictable. When Cara started designing steampunk necklaces, she never dreamed that her business would take off. Even if you budget down to the penny, the occasional unexpected expense is inevitable. Disclaimer: Self does not provide financial advice. When Cara told her customers that the wait time for a necklace was now four weeks instead of one, many of them canceled their orders, costing Cara a lot of money. For instance, if your small business pays $24,000 in rent, $2,400 in utilities and $150,000 in managers' salaries, you would report these as general and administrative expenses in the operating expenses section. Copyright, Trademark and Patent Information. The best way to avoid having to replace or repair a broken cooking range or other equipment is to know the preventative maintenance schedule of the appliance and to adhere to it. Don't forget, you or your parents may get a tax break for your college expenses at tax-time like the American Opportunity Tax Credit worth up to $2,500 or the Lifetime Learning Credit worth up to $2,000. For most of us, cars are a necessary investment. Typically, nonprofit development managers do not hold additional certifications or licenses. Nonprofit development managers may also pursue a master's degree in accounting, nonprofit management, or a related field to advance their careers. Each comes with drawbacks, so carefully consider your decision. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Postage If you're sending paper cards to your guests, don't forget that you'll need stamps, too. Accounting Treatment . Chloe believes that money is an emotional topic and it impacts many aspects of our lives. 48 Unexpected Expenses that will Bust Your Budgetand how to pay for them, After-Tax Income: Explanation and How to Calculate It, Equity Method of Accounting: How does It Work, Comparing Capital Lease vs Operating Lease. And then there are the unexpected expenses that come up. If youre still spending money on those things, remove them from your budget. All rights reserved. . Like most business owners, David knew next to nothing about taxes and enlisted the help of a CPA who could help him address the IRSs requests. A good first step is to set up an emergency savings fund for that proverbial rainy day. Oversee the production team before and during a shoot. This is . Our expert loves this top pick,which featuresa0% intro APRuntil 2024, an insane cash back rate of up to 5%, and all somehow for no annual fee. TheBLS reports that development managers earnan annual median salary of about $111,000, although those in the nonprofit field may earn less. As such, it may make sense to save for the replacement of major items like your roof and HVAC system separately. Better budgeting would not solve this issue, but an emergency fund might. Contracts and projects can sometimes bring unexpected expenses, whether that's a travel expense to pick up supplies or a postal expense to send over a nearly finished draft. Lets say youve always gotten your supplies from Vals, which offered the items you needed at a reasonable cost. Its also possible that youll be audited. General and administrative (G&A) expenses are listed below cost of goods sold (COGS) on a companys income statement. Instead, these general expenses are considered administrative costs. Most Americans are not,, Car and Driver. [4] Other unexpected home expenses might include remediating mold damage (at an average cost of more than $2,200); grading or ponding issues, which can cost up to almost $3,000; and replacing your water line to the street (up to nearly $2,500) or your septic system, which can run you between $3,100 and almost $9,400.[4]. In fact, this card is so good that our expert even uses it personally. There are many different benefits to having this money set aside for when unexpected expenses do occur. Taking charge of your money now will make life so much more comfortable in the future, particularly in those unexpected, expensive situations, like needing essential repair work. Were told to expect the unexpected. Bites from another animal: $250 to $1,500 for cat bites; $1,000 to $10,000 for dog bites. Preventative maintenance is all the regularly performed maintenance that includes not . Think again. Costs such as annual medical, dental and eye exams fall into this category, too, along with school tuition and regular car maintenance such as oil changes and tuneups. General expenses pertain to operational overhead expenses that impact the entire business. Will your budget hold up, or will Murphys Law kick in? Access your favorite topics in a personalized feed while you're on the go. And if youve budgeted in additional employees for next year, be sure to include the cost of providing them with the equipment theyll need to do their job. Plans for growing businesses, like Access Financials' growing . However, the majority of Mikes revenue comes from the ice skating rink, only one of three in the entire region. An emergency fund can offer you a quick and simple way to get some extra cash to cover unexpected expenses - without needing to dip into your monthly budget. In addition to traditional accounting careers, accountants may work as fashion purchasers, entrepreneurs, and FBI investigators, helping to stock the garment industry, create their own financial service companies, and bring down criminals by testifying as expert witnesses. However, David wasnt so lucky because he now owed his CPA more than $4,000 for his hours of help. You never know when a much-needed shipment may be damaged. While its relatively easy to estimate the amount of taxes youll have to pay, theres always a chance that your estimate will be wrong. Create reports on the findings of a forensic audit. Copyright 2018 - 2022 The Ascent. Each month budget $75 into the category for life insurance. I'll help you keep track of your monthly income & expenses, what you owe for quarterly estimated taxes & track your mileage with my easy-to-use BE ORGANIZED download! How Much Does It Cost To Replace a Windshield Without Insurance?, Million Acres: A Motley Fool Service. While a delayed payment is not a cost, it can be just as impactful to your business. In this case, having an emergency business fund handy would be helpful for Debbie, allowing her to make the best choice for her business, rather than simply paying the increased rent. General and administrative (G&A) expenses are incurred in the day-to-day operations of a business and may not be directly tied to a specific function or department within the company. Pricing. Planning For Auto Maintenance And Repair Costs,, Glass America. Most people know they have to pay closing costs as a buyer, but as a seller, you will have some to pay too. Her yearly premium had increased by almost $1,600, or an additional $133 a month. 5 Ways to Pay for Unexpected Bills. Planning can help you be better prepared for unexpected expenses, including knowing what options may help you budget during an emergency. She enjoys helping clients unpack their money history and discover how they can use money to support a life that is most meaningful to them. If you're renting a home from a landlord who decides to sell, forcing you to move out when you weren't planning to do so, the resulting costs such as moving expenses and the security deposit on a new place would count as unexpected expenses. Top Unexpected Expenses for Small Business Owners Accounting by Edrina LLC Hey Entrepreneur! A predictable expense is one you not only know will happen, but also you know when it will happen. An expense in accounting is the money spent, or costs incurred, by a business in their effort to generate revenues. unexpected expenses account means the eurodenominated account which will be heldat the collection account bankinto which (a) on the issue datethe unexpected expenses amountwill be paid; and out of which(b) following the region's defaultof its payment obligationsthe amounts(up to the unexpected expenses amount) to paylegal expenses incurred by the Don't worry about knowing these tax rules. Common Payable and Expense Control Deficiencies Most nonprofit development managers hold a bachelor's degree and several years of experience working for nonprofit organizations. The average cost of a tow is around $109, depending on how far your car needs to go and the tow companys rates, which can be anywhere in a general range of $2.50 to $7 a mile. Image source: Author. 1 (888) 760 1940. In an administrative budget, only non-production costs are accounted for, including supervisor payroll, depreciation, amortization, consulting, sales, dues and fees, legal fees and marketing, rent, and insurance. COGS is deducted from the net revenue figure to determine the gross margin. Your emergency fund is the first line of defense against unforeseen costs, or those we can't see coming. For example, forensic auditors at the FBI complete a six-week training program. Then, put money aside for them throughout the year so you're prepared when they come up. According to the Bureau of Labor Statistics (BLS),purchasing managers earnan annual median salary of $67,600 per year. Remember to ask yourself if the expense is genuinely unexpected, or just overlooked. But there isnt a specific timeline when these expenses will occur. What Are The Different Types of Car Insurance?. Fashion purchasing managers typically hold a bachelor's degree with some business or finance experience. Being prepared for unexpected expenses and one-time hits to your budget you cant have foreseen doesnt require a crystal ball. Recap of the unexpected costs of running a small business Whether you are starting or growing a company, keep unexpected costs associated with running a business in mind as you plan your budget. Postage, telephone bills and general office supplies shared by all departments also typically are not classified as operating expenses. Start with one month of living expenses and build from there. The companys manufacturing costs get classified as Cost of Goods Sold and have their own category on the budgeted profit and loss statement. Her firm is dedicated to serving tech employees who are entrepreneurial-minded, philanthropic, and purpose-driven. However, It seems like, every month, we are spending more than $4400 by $200-$600 because of unexpected expenses, or expenses that aren't regular, but still need to be paid. When he filed his tax return at year-end, he made a mathematical error when entering his business expenses. These expenses can be especially difficult to handle if you are not prepared for them. Thankfully, you have options if paying an expense isn't as simple as shelling out cash. A companys master budget profit and loss statement include these expenses along with sales revenue, cost of goods sold, and other expenses, such as interest and depreciation. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. There's no way to avoid these types of expenses and you have no way of knowing how much they'll cost. Understanding what types of unexpected expenses might occur can help you develop a plan so that youre prepared if they occur. These costs are not entirely unexpected and are often considered when planning the budget for the next year. Click here to read our full review for free and apply in just 2 minutes. Check out these 10 examples and start planning accordingly. 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