really helped me out alot.
momto l&a the answer to your question is to budget into savings accounts money that covers unexpected expenses. The type of expense (car breaking down, acts of G*d) is unexpected. But the fact that you most definitely will have
things that come up to pay for is not unexpected. And hey - if they never come up - great! you have that much more money in your savings account.
oh and also i want to say that this book is actually how to budget vs. how to save money which was just what i needed.