{"id":1033,"date":"2021-12-30T20:36:10","date_gmt":"2021-12-30T20:36:10","guid":{"rendered":"https:\/\/www.lendnation.com\/3-ways-to-prepare-for-seasonal-expenses\/"},"modified":"2025-07-30T14:20:00","modified_gmt":"2025-07-30T14:20:00","slug":"3-ways-to-prepare-for-seasonal-expenses","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/3-ways-to-prepare-for-seasonal-expenses\/","title":{"rendered":"3 Ways to Prepare For Seasonal Expenses"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2021-12-30T20:36:10+00:00\">December, 2021<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">3 Ways to Prepare For Seasonal Expenses<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"540\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg 4096w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?resize=300,158 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?resize=768,405 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?resize=1024,540 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?resize=1536,810 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/12\/shutterstock_344110886.jpg?resize=2048,1080 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>The seasons tend to sneak up on us. One day it\u2019s spring, and the next day you\u2019re decorating for the holidays! Seasonal changes can usher in additional expenses that are often not in the budget. For most of us, remembering our daily and monthly expenses is easy. However, seasonal expenses can fall through the cracks and derail any budget.<\/p>\n\n\n\n<p>With a little planning you can stay abreast of these expenses and keep your budget on track. Here we\u2019ll go over a few ways to prepare for seasonal expenses and look at what kinds of things you may want to plan for.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-examples-of-seasonal-expenses\">Examples of Seasonal Expenses<\/h2>\n\n\n\n<p>When you think of seasonal expenses, consider any expense that you pay infrequently. So, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Property taxes.<\/strong> Everyone who owns a vehicle or home pays <a href=\"https:\/\/www.investopedia.com\/terms\/p\/propertytax.asp\" target=\"_blank\" rel=\"noopener\">property taxes<\/a>. In most states, these need to be paid annually.<\/li>\n\n\n\n<li><strong>School costs<\/strong>. From tuition to supplies, if you or a family member attends school, these costs will need to be factored into your seasonal expenses.<\/li>\n\n\n\n<li><strong>Home maintenance.<\/strong> Preventative upkeep and maintenance like furnace tune-ups or other home spending can add up, but it can also help you avoid bigger repair expenses.<\/li>\n\n\n\n<li><strong>Vehicle maintenance<\/strong>. Just like with home maintenance, plan to have your vehicle serviced regularly to prevent expensive repairs. Follow your vehicle\u2019s suggested maintenance schedule to avoid hefty expenses.<\/li>\n\n\n\n<li><strong>Holidays. <\/strong>In 2019 the <a href=\"https:\/\/fortunly.com\/statistics\/christmas-spending-statistics\/#gref\" target=\"_blank\" rel=\"noopener\">average American spent<\/a>&nbsp;about $1,500 over the Christmas holidays. Holiday spending is a significant seasonal expense for most people, so planning is crucial. Seasonal expenses can be different for everyone, but these examples may help you plan a more effective seasonal expense budget.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-create-a-seasonal-expense-budget\">Create a Seasonal Expense Budget<\/h2>\n\n\n\n<p>One of the best ways to get ahead of seasonal expenses is by factoring them into your existing <a href=\"https:\/\/www.lendnation.com\/blog\/article\/building-a-realistic-budget\">household budget<\/a>. To do this, you\u2019ll first need to calculate the approximate total amount of your seasonal expenses. Factor in your holiday spending, birthdays or other&nbsp;<a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-save-for-special-occasions\">personal events<\/a>, taxes, maintenance, or any other expenses that you run into throughout the year. You may even want to look at your bank account statements from the previous year as a reminder of how much you paid for different types of things.<\/p>\n\n\n\n<p>Once you have a rough total for your seasonal expenses, divide it by 12 and then you\u2019ll know how much to set aside each month to go towards your seasonal budget. So, for example, say your seasonal expenses add up to $2,400. Divided by 12, this means you will need to budget $200 every month to stay ahead of seasonal expenses.<\/p>\n\n\n\n<p>Now, it\u2019s super easy to accidentally overspend and then get to the end of the month and realize you never set anything aside for seasonal expenses. To avoid this, you may think about setting up an auto-draft on your bank account that automatically deducts a certain amount each month and deposits it straight into a savings account. This will help you save without having to do any work, and the money adds up quickly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-buy-during-off-seasons\">Buy During Off-Seasons<\/h2>\n\n\n\n<p>If you play your cards right, planning ahead could save you quite a bit of money. For example, if your air conditioner dies in the middle of a sweltering summer, you\u2019re most likely going to pay more to have it fixed due to the increased demand on the HVAC workforce during those months. However, if you can replace or service your AC during the winter, you\u2019ll pay significantly less. The same goes for many seasonal services and products \u2013 if you can buy or service them during the off-season, you may be able to save money and be better prepared for the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-help-from-an-app\">Get Help from an App<\/h2>\n\n\n\n<p>For some of us, factoring up seasonal expenses and building a budget is time-consuming and tedious. But thankfully \u2013 there\u2019s an app for that! There are dozens of <a href=\"https:\/\/www.thebalance.com\/best-budgeting-apps-4159414\" target=\"_blank\" rel=\"noopener\">budgeting apps <\/a>that categorize your spending, and they even track trends and spending habits to help you fine-tune your budget. Use one of these apps to show you your biggest expenses, then plan your budget accordingly \u2013 all from your phone. It couldn\u2019t be easier!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-help-in-a-pinch\">Get Help in a Pinch<\/h2>\n\n\n\n<p>Sometimes planning is not possible, and that\u2019s ok. Get your budget back on track and get the cash you need with LendNation. LendNation can help you get the cash you need, when and how you need it. Conveniently apply online or in-store. Select from an array of loans including title loans, installment loans and cash advances. When the unexpected hits, LendNation is here to help. <a href=\"https:\/\/www.lendnation.com\/\">Apply online today<\/a>.<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11555 post type-post status-publish format-standard has-post-thumbnail hentry category-budgeting tag-budget-tips tag-emergency-fund tag-financial-planning tag-flexible-payment-options tag-instant-debit-card-funding tag-large-expense-planning tag-paycheck-budgeting tag-saving-strategies tag-short-term-savings tag-sinking-fund\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Save for Big Expenses Without Breaking Your Budget<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-03-20T21:43:31+00:00\">March, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person reviewing budget plan for saving toward big expenses on a smart phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg 5472w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-save-for-big-expenses-without-breaking-your-budget\/\" target=\"_self\" >How to Save for Big Expenses Without Breaking Your Budget<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"wp-block-post post-7175 post type-post status-publish format-standard has-post-thumbnail hentry category-budgeting\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Create Your Budget to Have a Fun Summer<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2025-05-19T10:00:00+00:00\">May, 2025<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How to have fun this summer with budget-friendly summer activities\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg 5558w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=768,513 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1024,684 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=2048,1367 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/create-your-budget-to-have-a-fun-summer\/\" target=\"_self\" >Create Your Budget to Have a Fun Summer<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Prepare for unexpected seasonable expenses and repairs when money is tight. LendNation is a solution to help with unexpected seasonal expenses and repairs.<\/p>\n","protected":false},"author":18,"featured_media":1446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[42],"class_list":["post-1033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-cash-advance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>3 Ways to Prepare For Seasonal Expenses - LendNation<\/title>\n<meta name=\"description\" content=\"Prepare for unexpected seasonable expenses and repairs when money is tight. 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