The car repair, the holiday gifts, the annual insurance bill: most “surprises” are known costs with no plan. Sinking Funds Simple shows how to list them, divide each by the months left, and decide between one account and many.

Inside: funding sinking funds when money is tight, spending from a fund without guilt, holidays and gifts, things that wear out, irregular income, keeping the system from becoming a chore, a first-year case study of the Mendes family, and a starter list with typical figures.

From the AI Book Shelf editorial team (AI-assisted, edited in house).

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