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Just to add to what hrdwareguy said, here are other things to look at when looking at variable costs: car repair, tires, plumbing and home and appliance repair, appliance replacement, clothing, vet bills (if you have animals), out-of-pocket medical bills, and so on. You should even budget for things that you don't need now but know you will need in a few years, so you can put money aside in a separate bucket in advance.
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