S/D: Personal Budgeting Software

can anyone recommend something that manages to account for the fact that not everything is a per-month expense? This always fucks up any budget I do, and I'm not sophisticated enough to plot it out on my own. Ideally I want to be able to be like "This paycheck comes in on this day, this bill gets paid on this day, we travel once every 6 months, we have x amount of big expenses every y months" etc.

We do this in my household without software.

Predicting monthly expenses is pretty easy once you have a year's worth of data you can sort through and use as the basis for your next year's prediction. One time expenses like annual insurance payments aren't especially hard, either. Our solution for those infrequent, often discretionary, expenses is to create a slush fund we put money into regularly, and the unspent balance, if any, rolls over to the next year.

Each January we discuss what projects, plans and vacations we might want to tackle in the coming year and try to guess what they'll cost. If our projected income won't stretch to cover our known expenses (food, utilities, housing, etc.), plus our wanna-haves, then we cut back our plans to fit our projected income. It isn't an exact science and can't be. It is all just educated guesswork.

i set up a p. comprehensive excel sheet for myself starting college last year that did the trick p well, slotting in amounts for unexpected events or rainy days wasn't too much of a difficulty