So do you have your expenses written down in buckets categorized in your finance compass well done. If you haven't, get back to the previous lesson and make sure you do this, because there is no point for you to keep going through the course, if you don't complete the homework step by step, the amount of work that will be remaining for you, by the end will be demotivating. And you will not do it. So make sure that you take each chunk piece by piece as we go through those lessons. This lesson is about your invisible costs. What I mean by this is on top of the cost that hits your accounts on a monthly basis.

You also have more longer term expenses, things like taxes, things like products that you buy on a less regular basis. It could be health related. It could be maintenance of your car or your property. Could be insurance. It could be any type of annual subscription for your internet or electricity or, you know, your TV. It's all those accounts, all the all those all those expenses that hit your account on an annual basis on a bi annual basis, or on a quarterly basis, I don't know.

But it's things that are not monthly. And so we also want to incorporate those expenses and spread them out through your plan. This way, is no surprise. This way you anticipate every expense before it arrives. And when it comes as no surprise you were prepared, you were saving the money for it. And it doesn't affect how much you can save.

Does it make sense? If you have incorporated every single thing that you can possibly expense and spend? Well, then you will know your bottom line figure, but that's coming up later. So for now, let's get into To the life compass and work together on categorizing what those invisible expenses are, and make sure that we spread those out over the coming month.