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The simple system for turning Christmas, car repairs, and back-to-school into planned expenses instead of surprise emergencies. 16 pages. One afternoon to set up. Stops the credit-card-Christmas cycle for good.
Christmas is in December every year. It's not a surprise. Neither is back-to-school in August, or the car needing tires, or the dentist visit your insurance only sort of covers. Yet somehow, every family gets blindsided by these expenses, every year, and a lot of them end up on credit cards in January.
The reason isn't that families are bad with money. It's that nobody told them how to plan for the predictable-but-not-monthly stuff. That's what a sinking fund is, and that's what this kit teaches.
You'll work through 12 categories most families overlook (with realistic annual costs), the four-step setup that takes one afternoon, an annual planning worksheet and monthly calculator that does the math for you, and a 12-month tracker so you can watch the funds grow. We've also included three worked family examples — one just starting out, one on a tight budget paying off debt, and one building the full system — so you can see what this looks like at different income levels.
The thing this product actually does: it ends the cycle of "great month, great month, great month, what just happened in December." After a year of running this system, big expenses stop feeling like emergencies. They become line items.
Built in the same warm-direct voice as the channel — no shame, no hype, no "skip the latte" lectures.
The simple system for turning Christmas, car repairs, and back-to-school into planned expenses instead of surprise emergencies. 16 pages. One afternoon to set up. Stops the credit-card-Christmas cycle for good.
Christmas is in December every year. It's not a surprise. Neither is back-to-school in August, or the car needing tires, or the dentist visit your insurance only sort of covers. Yet somehow, every family gets blindsided by these expenses, every year, and a lot of them end up on credit cards in January.
The reason isn't that families are bad with money. It's that nobody told them how to plan for the predictable-but-not-monthly stuff. That's what a sinking fund is, and that's what this kit teaches.
You'll work through 12 categories most families overlook (with realistic annual costs), the four-step setup that takes one afternoon, an annual planning worksheet and monthly calculator that does the math for you, and a 12-month tracker so you can watch the funds grow. We've also included three worked family examples — one just starting out, one on a tight budget paying off debt, and one building the full system — so you can see what this looks like at different income levels.
The thing this product actually does: it ends the cycle of "great month, great month, great month, what just happened in December." After a year of running this system, big expenses stop feeling like emergencies. They become line items.
Built in the same warm-direct voice as the channel — no shame, no hype, no "skip the latte" lectures.
