Add to this record expenses such as taxes, insurance, or clothing, which may occur much less frequently, and use monthly averages for them.
ولا تنسَ ان تضيف الى القائمة معدّلا شهريا للمصاريف التي لا تتكرر كثيرا ،‏ كالضرائب والتأمين والثياب .‏