I'm looking for expenses that most of us should be planning for, but that we may not think about. Some of these would be re-occurring expenses that happen infrequently, while others would be one time expenses that are likely to occur at some point.

I'm looking for expenses that most of us should be planning for, but that we may not think about. Some of these would be re-occurring expenses that happen infrequently, while others would be one time expenses that are likely to occur at some point.

Update: I should have made it clear that I'd like to exclude things that insurance and an emergency fund would be able to cover. To me if the way to prepare for the expense is to have an emergency fund then the expense can't really be planned for and it truly an emergency. While insurance effectively prevents certain unexpected expenses from turning into emergencies, I'd like to exclude them.