All of our expenses, monthly or yearly recurring expenses–like car tags/registration–is averaged out into equal bi-weekly payments (26 or 24 depending how many times you get paid) and kept in our checking account but tracked as future expense payment transaction that we add funds to every paycheck until payment is due. This way, every year you’ll always have the payment and it won’t seem as if you’re taking a big chunk out of your savings/emergency fund becuase you’re putting small amounts away every month as a recurring payment.
Additionally, my wife and I use a contribution % to split our income for expense. We use a spreadsheet to keep track of income and how it will be applied to expenses which we average out to bi-weekly payments. Here’s a look at what we do in terms of contribution % if that helps:
Also, we always consider savings a pre-expense bucket similar to taxes “income - taxes - savings = expenses” …pay yourself first.