Why this matters: Most financial stress comes from "unexpected" expenses. But most of them are completely predictable - they happen every single year.
Map out your irregular expenses month by month. The calendar will calculate exactly how much to set aside each pay cycle so you're always ready.
My 12-Month Money Calendar
Prepared:
Your year at a glance
Knowing the number is easy. Building the habit is the hard part.
A sinking fund only works if you actually set the money aside. Coaching helps you build the system and stick to it.
What money coaching helps with
Setting up a sinking fund account that works with your bank
Automating the transfer so you never have to think about it
Building a full budget that includes irregular expenses
Finding the money in your existing spending
Dealing with the months where everything hits at once
Accountability to actually follow through
What this tool gives you
The awareness of what your irregular expenses actually cost
The sinking fund number to aim for
A printable plan you can stick on the fridge
This tool shows you the "what." Coaching helps you with the "how" - setting up accounts, automating transfers, adjusting your budget, and building the confidence to handle money without stress.