What is a Sinking Fund? Why You Need One + How To Set It Up: A Complete Guide To Sinking Funds, list of sinking funds categories and ideas to put your cash into envelopes, categories list and example of a sinking fund and how to use it, sinking fund tracker printable for free for the budget mom doing frugal living, money saving spreadsheet heart for christmas prep, money saving tips inspired by dave ramsey, printable worksheet