We’ve all experienced the stress and headaches of an unplanned yet necessary expense popping up and destroying our well-intentioned monthly budget. If you’re getting frustrated with budgeting because some unexpected expense comes up each month to sabotage all your grand plans, you need sinking funds. Learn everything you need to know about sinking funds, how to set them up, the categories to consider, how to calculate sinking funds, and how much to put toward them each month. Remove the shock-factor from the surprise expenses and avoid accumulating debt to cover them by creating mini savings accounts and making irregular costs an expected part of your budget. 

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