{"product_id":"the-30-day-sinking-funds-setup-plan","title":"The 30-Day-Sinking Funds Setup Plan","description":"\u003cp data-start=\"310\" data-end=\"371\"\u003e\u003cstrong data-start=\"310\" data-end=\"371\"\u003eStop “something always comes up” from ruining your month.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-start=\"373\" data-end=\"535\"\u003eYou know that feeling when you’re doing fine… then the car needs something, the dentist bill hits, a birthday comes up, or December shows up like a wrecking ball?\u003c\/p\u003e\n\u003cp data-start=\"537\" data-end=\"631\"\u003eThat’s not a discipline problem. It’s an \u003cstrong data-start=\"578\" data-end=\"607\"\u003eirregular-expense problem\u003c\/strong\u003e—and this book fixes it.\u003c\/p\u003e\n\u003cp data-start=\"633\" data-end=\"865\"\u003eA normal monthly budget covers rent and bills. But it doesn’t cover the predictable stuff that happens a few times a year. Sinking funds do. You set aside small amounts ahead of time, so those “surprises” stop becoming emergencies.\u003c\/p\u003e\n\u003ch3 data-start=\"867\" data-end=\"898\"\u003eWhat this plan helps you do\u003c\/h3\u003e\n\u003cul data-start=\"899\" data-end=\"1132\"\u003e\n\u003cli data-start=\"899\" data-end=\"951\"\u003e\n\u003cp data-start=\"901\" data-end=\"951\"\u003eStop using credit cards for predictable expenses\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"952\" data-end=\"1009\"\u003e\n\u003cp data-start=\"954\" data-end=\"1009\"\u003eStop draining your emergency fund for non-emergencies\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1010\" data-end=\"1066\"\u003e\n\u003cp data-start=\"1012\" data-end=\"1066\"\u003eStop getting blindsided by annual and seasonal costs\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1067\" data-end=\"1132\"\u003e\n\u003cp data-start=\"1069\" data-end=\"1132\"\u003eBuild savings goals that actually stick — without feeling broke\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-start=\"1134\" data-end=\"1171\"\u003eThe method (simple, step-by-step)\u003c\/h3\u003e\n\u003cp data-start=\"1172\" data-end=\"1325\"\u003eThis is a 30-day implementation plan built around one clear framework:\u003cbr data-start=\"1242\" data-end=\"1245\"\u003e\u003cstrong data-start=\"1245\" data-end=\"1287\"\u003eMAP → PRIORITIZE → FUND → RULE → RESET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-start=\"1327\" data-end=\"1347\"\u003eThat means you will:\u003c\/p\u003e\n\u003cul data-start=\"1348\" data-end=\"1820\"\u003e\n\u003cli data-start=\"1348\" data-end=\"1429\"\u003e\n\u003cp data-start=\"1350\" data-end=\"1429\"\u003eIdentify your real irregular expenses (using your last 12 months of spending)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1430\" data-end=\"1519\"\u003e\n\u003cp data-start=\"1432\" data-end=\"1519\"\u003eChoose the right 4–7 sinking funds for your real life (not 20 categories you’ll quit)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1520\" data-end=\"1592\"\u003e\n\u003cp data-start=\"1522\" data-end=\"1592\"\u003eSet realistic targets and monthly contributions that fit your income\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1593\" data-end=\"1671\"\u003e\n\u003cp data-start=\"1595\" data-end=\"1671\"\u003eDecide where the money lives (accounts, buckets, or one account + tracker)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1672\" data-end=\"1749\"\u003e\n\u003cp data-start=\"1674\" data-end=\"1749\"\u003eWrite clear rules so you know exactly what each fund is for (and not for)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1750\" data-end=\"1820\"\u003e\n\u003cp data-start=\"1752\" data-end=\"1820\"\u003eAutomate at least one transfer so the system runs without willpower\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1822\" data-end=\"1998\"\u003eMost days take \u003cstrong data-start=\"1837\" data-end=\"1854\"\u003e10–20 minutes\u003c\/strong\u003e. It’s beginner-friendly, but it’s not fluffy. You’ll be building a working setup you can reuse for years.\u003c\/p\u003e\n\u003ch3 data-start=\"2000\" data-end=\"2030\"\u003eWhat you’ll have by Day 30\u003c\/h3\u003e\n\u003cp data-start=\"2031\" data-end=\"2055\"\u003eBy the end, you’ll have:\u003c\/p\u003e\n\u003cul data-start=\"2056\" data-end=\"2513\"\u003e\n\u003cli data-start=\"2056\" data-end=\"2111\"\u003e\n\u003cp data-start=\"2058\" data-end=\"2111\"\u003eA clear sinking fund list chosen for your real life\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2112\" data-end=\"2161\"\u003e\n\u003cp data-start=\"2114\" data-end=\"2161\"\u003eTargets + monthly contributions for each fund\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2162\" data-end=\"2223\"\u003e\n\u003cp data-start=\"2164\" data-end=\"2223\"\u003eA contribution schedule tied to how you actually get paid\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2224\" data-end=\"2298\"\u003e\n\u003cp data-start=\"2226\" data-end=\"2298\"\u003eWritten usage rules (so your funds don’t get “borrowed” and disappear)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2299\" data-end=\"2342\"\u003e\n\u003cp data-start=\"2301\" data-end=\"2342\"\u003eAt least one automated transfer running\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2343\" data-end=\"2400\"\u003e\n\u003cp data-start=\"2345\" data-end=\"2400\"\u003eA weekly 10-minute check-in + a monthly reset routine\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2401\" data-end=\"2452\"\u003e\n\u003cp data-start=\"2403\" data-end=\"2452\"\u003eA shortfall plan for when an expense hits early\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2453\" data-end=\"2513\"\u003e\n\u003cp data-start=\"2455\" data-end=\"2513\"\u003eA recovery plan for hard months (so you don’t start over)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-start=\"2515\" data-end=\"2534\"\u003eWho this is for\u003c\/h3\u003e\n\u003cp data-start=\"2535\" data-end=\"2581\"\u003eThis is for you if you want calm control over:\u003c\/p\u003e\n\u003cul data-start=\"2582\" data-end=\"2746\"\u003e\n\u003cli data-start=\"2582\" data-end=\"2613\"\u003e\n\u003cp data-start=\"2584\" data-end=\"2613\"\u003ecar maintenance and repairs\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2614\" data-end=\"2636\"\u003e\n\u003cp data-start=\"2616\" data-end=\"2636\"\u003eholidays and gifts\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2637\" data-end=\"2665\"\u003e\n\u003cp data-start=\"2639\" data-end=\"2665\"\u003emedical and dental costs\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2666\" data-end=\"2703\"\u003e\n\u003cp data-start=\"2668\" data-end=\"2703\"\u003eannual subscriptions and renewals\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2704\" data-end=\"2716\"\u003e\n\u003cp data-start=\"2706\" data-end=\"2716\"\u003epet care\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2717\" data-end=\"2727\"\u003e\n\u003cp data-start=\"2719\" data-end=\"2727\"\u003etravel\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"2728\" data-end=\"2746\"\u003e\n\u003cp data-start=\"2730\" data-end=\"2746\"\u003ehome maintenance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"2748\" data-end=\"2806\"\u003eAnd you want a system that works even when life gets busy.\u003c\/p\u003e\n\u003cp data-start=\"2808\" data-end=\"2957\"\u003e\u003cstrong data-start=\"2808\" data-end=\"2859\"\u003eInstant download. Practical. Real-life proofed.\u003c\/strong\u003e\u003cbr data-start=\"2859\" data-end=\"2862\"\u003eIf you’re ready for expenses to stop turning into crises, start your sinking funds setup today.\u003c\/p\u003e","brand":"CalmMoney","offers":[{"title":"Digital Download","offer_id":48083722535012,"sku":null,"price":15.0,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0760\/7907\/1332\/files\/The30-Day-SinkingFundsSetupPlan-3DBookMockup.jpg?v=1775440476","url":"https:\/\/www.calmmoney.store\/products\/the-30-day-sinking-funds-setup-plan","provider":"CalmMoney","version":"1.0","type":"link"}