Sinking funds: Start Today with These 5 Steps

It's not necessarily how much money you make that makes you happy. It's about your bank balance. What's available?

In this story, we'll walk through what is a sinking fund and how to get started today in 5 simple steps.

1. Identify your sinking funds categories

You can make anything a sinking fund. Maybe it's home expenses, vacation, major discretionary purchases. You pick the categories based on what you need.

2. Open a high yield savings account

You can open an account where you hold your checking account but it needs to be a separate account. Try a high-yield savings account for extra savings.

3. Determine how much you want to save for each category

Make a budget and determine how much you can afford to save and how quickly you need to save to meet your goals.

4. Automate transfers to your sinking funds

You have lots of options to automate transfers. Check out apps that round up change, your employer options, and automatic bank-to-bank options. It's the best way to ensure you stay on track.

5. Use a sinking fund tracker to keep track of your category balances

Some people will have 1 or 2 sinking funds, others may have 5. You need to keep track of how much is in each sinking fund since all of the money goes into one pot.

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