Bangalore: Everything seems to be going as per your plan; you have just begun to achieve your goals and BOOM! Someone in the family falls considerably ill, your debit/credit card bills have crossed the credit limit for the first time. You end up blowing up the month's savings on all these unexpected expenses and you're back to making a few adjustments in your plan. They say, money is meant to be spent. Yes it is but sometimes you cross your monthly budget which you weren't expecting and all your planning goes in vain. This happens to everyone; no matter who you are. Here's a list of the 4 unexpected expenses you should consider and be prepared for when time arises- Health Expenses Most important of all, health expenses can be very inconsistent and unpredictable. These days, in spite of having the option of health insurance, there are a few miscellaneous expenses like prescription cost etc that must be covered. Your child suddenly misses a step and tumbles over, your mom unexpectedly falls sick; you cannot afford to neglect things like these and have to cover-up. A doctor's visit or even a complete check up in a good hospital these days, is expensive. One of the best ways to avoid such issues is by opening a Health Savings Account(HSA) which could be utilized for other minor medical expenses. An HSA lets you to save a certain amount for such expenses, every month.