How do you keep above irregular costs?

How do you keep above irregular costs? Our household (two adults, one child, and a baby on the way) is working on improving how we manage our finances. I usually follow this sub on my personal account, but I'm posting here from our family account so both of us can read and discuss the replies. Here’s where we’re at:
In February, we’re paying off some less-than-ideal loans while keep...

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