An Annual Savings Plan

I read Gail Vaz Oxlade's Blog and one commentor on today's post, gave me the idea that I should have an annual saving's plan. I like this idea - I think it may be a little hard to implement, but I see the worthyness of it.

If you pay for things like car insurnace in one shot, it cost's less then paying monthly over the course of the year.

So far, the only things I can think of that I need to plan for are:

• Car Insurance
• Car Registration
• CAA membership (required for my insurance).

Are there any other annual costs that I may be forgetting? Does anyone else plan for expenses this way?