One thing I don't often see budgeted here is big ticket items that don't need to be replaced very often but will invariably need to be replaced. For instance, your car is paid off I assume but how old and how reliable is it? Is it the last car you will ever own? If not, how will you replace it? I'm not just asking the OP, these are questions I'd have for myself as well. Granted, I'm pretty new to all this but it seems like a lot of people are exquisitely planning for the long term but are so focused on the minutia of monthly expenses they seem to be forgetting about the big ~10 year expenses. Maybe I'm just too new to have seen those particular posts/budgets. For instance, I know I'm going to probably replace my wife's car in the next 5 years (it's 12 years old now). Not sure how we're going to do that yet. I also have a house, which while pretty solid, I'm going to have to put money into as time goes on.
The short of it, how does everyone budget the big items? Emergency fund seems like the catchall I see posted all the time but again, it seems I never see anyone budget for replenishing the emergency fund.
