My Yearly Metcard is almost up for renewal, and I was pondering if I can somehow organise to stagger it and my other biggish expenses for the year?
Yearly ticket — $1065. Mine expires in April, so if I want the cheap price I need to order in early-March — about now. If I pay by credit card there’s a surcharge. The date slips each year as sometimes just after the ticket expires there are a few days when I don’t use the next one and/or I have compensation Dailies to use up. (By the way, Connex is paying up for both January and February — Get the forms here.) Of course ideally you buy this late in the year, just before the annual price rise.
Home and contents insurance — about $800, due in August. Can probably pay periodically, but it’ll cost extra, which is better avoided where possible.
Car insurance — Due in August, $559 last year. Ditto.
Car maintenance — periodic due to mileage, not really unpredictable.
Car registration — I think it’s due in about June, as I lucked out last year; the car I bought had just been paid up.
The November holiday, assuming I keep up this tradition, with credit card bill arriving in late-November for payment in December.
Christmas — major expense in December, but credit card bill arrives in January, for payment in early-February.
School fees — paid in December, and can go on credit card, so is actually paid at the same time as Christmas. Government schools are cheaper than private, but not free.
What else am I forgetting that’s pretty big, and regular?
Obviously some payments can be moved, and some can’t. I can buy a couple of monthly Metcards to move the Yearly back. School fees can be paid in quarterly installments, and I may take that option from next year.