Hi Bsonier,
A lot of people do percentages, and I think that's great. Another way is by doing a budget. At the beginning of the year, you should be doing a budget with all of these things you asked about included. That way you would know how much to allocate to each item. (or %) As you go through the year you can update your budget as well with how things are going.
I would have your planned budget in one column and then your actual numbers updated monthly in another column beside your planned budget.
If you are doing this, you're going to know exactly how your financial year is trending and what you need to save for what. No getting to the end of the year and waiting for the accountant to tell you how your year went.
I hope that's helpful. I've added some picture from our own budget so you can have an example.
Cheers.
