Annual bill tracker

A monthly bill tracker is built around a rhythm: the same list, every 30 days, so the brain starts to expect it. Annual bills break that rhythm on purpose — registration, home and car insurance, property tax, the yearly membership renewal — and that's exactly why they get missed. Nothing on your fridge or calendar app nudges you in month eleven for a bill that only exists in month twelve.

This sheet exists to sit somewhere you'll see it once a year at the right time — taped inside a filing folder, pinned near tax paperwork, wherever you keep the stuff you touch annually rather than monthly. Six lines, one column for the amount, one for paid: car registration, home or renters insurance, car insurance, property tax, annual memberships, annual subscriptions. It's not trying to replace a monthly tracker, it's covering the gap one leaves.