Irregular Expenses & Sinking Funds
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Irregular Expenses & Sinking Funds
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About this listen
If it feels like money is manageable one moment — and overwhelming the next — you’re not imagining it.
Many of the expenses that cause the most stress aren’t surprises. They’re irregular. They don’t happen every month, but they do happen every year — often all at once.
In this episode, we talk about why predictable expenses can still feel like emergencies, how clustered bills create pressure, and why timing — not spending — is often the real problem.
You’ll learn:
What irregular expenses are and why they’re easy to overlook
How stacking costs (like insurance, holidays, and travel) creates stress
Why credit often feels like the only option when timing collapses
What sinking funds actually are — and what they aren’t
How sinking funds and emergency funds work together to reduce chaos
This episode isn’t about budgeting harder or being more disciplined.
It’s about giving your money a way to handle time — so predictable costs don’t all hit at once.