Information is great. But taking small steps now can lead to big changes.
Today
Make “unexpected expenses” a part of your budget.
Collect receipts for last year's expenses. Highlight expenses that don't happen every month. This list is the beginning of your “unexpected expenses” budget.
Next Week
Once you have identified your past “unexpected expenses,” estimate their costs and timing. This will give you an amount per month that you should save.
During the Next Few Months
Start saving the monthy amount you identifed in your budget review.
Recognize that basing future expenses on past expenses only provides savings guidelines. But, this method may keep an unexpected expense from becoming an emergency.