Go through your bank statement (or income and expense records) for the past three months and identify five anticipated income/expense items and five unanticipated income/expense items.

Anticipated income/expenses falls in the category of what is expected by the individual while the unanticipated involves impromptu expenses.

The five anticipated income/expense items include

1. Salary

2. Food items shopping

3. Medical check ups

4. Transportation

5. Internet

The five unanticipated income/expense items include:

1. Drug purchase

2. Phone Repair

3. Loss replacement

4. Bike repair

5. Medical bill.