Not all expenses are paid monthly. Some come quarterly, semi-annually, or annually. Some don't have any particular schedule to them at all, but are out there somewhere beyond the horizon waiting to bite you on the posterior when you least expect them and/or least have the resources to handle them.
A successful financial plan should include a sub-plan for handling these irregular expenses. NOT having a plan to handle them is bound to lead to having other parts of the financial plan knocked...
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Saving is Not One-Size-Fits-All
Saving is a fundamental part of the Baby Steps. That may sound counterintuitive for a program intending to eliminate debt since any money going to savings is money that's not paying off debt. In reality, it's the savings which permit the gazelle-intense, laser-beam focus on paying off debt. It isn't saving done without a purpose, however; how much is saved and why it's saved varies as the different Baby Steps are achieved.
The very first Baby Step of the get-out-of-debt plan isn't even...