The Sinking Funds Workbook

The car insurance renewal is not an emergency. Neither is the registration, the holidays, or the tires. They arrive on the same schedule every year. They just do not fit a monthly budget, so they land like surprises.

This workbook fixes the timing. It pre-funds the bills that ambush you every year, a little each payday, with the only math you need: annual cost divided by paydays. In the book's worked example, five classic ambush bills become $124.61 per biweekly payday. A zero-shame voice throughout.

Inside:

- What a sinking fund is, how it differs from an emergency fund, and the irregular-expense audit

- The hybrid method: digital tracking for everything, cash envelopes only for the three leak categories

- 12 category setup sheets with target, per-payday amount, and tracker grid

- 12 monthly tracker spreads, plus 8 leak-category envelope logs

- Quarterly check-ins, shortfall planners, and the one-hour annual reset ritual

Stop letting predictable bills land like surprises. Set up your first five funds today.