stretchingfundstoday

Coming soon

12-Week Sinking Funds Challenge

A guided 12-week program for people who want to stop being surprised by bills. Each week: one short lesson, one small task (usually 20 minutes) and a worksheet. By the end, your sinking funds are set up and automated and your starter emergency fund is in place.

$29 one-time. 30-day refund, no questions.

Tell me when it opens See the 12 weeks

Create a free account and tick "email me when the 12-Week Sinking Funds Challenge opens". We'll send one email when it does. No payment is taken now.

The 12 weeks

  1. Week 1Open your savings home and name your first bucket
  2. Week 2Hunt last year's statements for non-monthly bills
  3. Week 3Choose your first three to five sinking funds
  4. Week 4Do the paycheck math for each fund
  5. Week 5Automate the transfers
  6. Week 6Start your starter emergency fund
  7. Week 7Find one expense to cut and redirect it
  8. Week 8Plan for windfalls before they arrive
  9. Week 9Set up car and home repair funds
  10. Week 10Build your emergency fund target
  11. Week 11Your "is this an emergency?" rules and refill plan
  12. Week 12Review, celebrate and set next year's goals

How it will work

  1. Each week a new lesson unlocks in your account, and we send one email to remind you (you can turn these off).
  2. Do the task, usually 20 minutes, with the worksheet for that week.
  3. Track it in your account and watch your funds and checklist fill up.

What the Challenge is, and isn't

It's a structured, self-paced program built on the free guides on this site, with the hand-holding and accountability that make habits stick. It isn't financial advice, and it doesn't recommend specific banks or products.

We never ask for bank logins or account numbers. You move money yourself, in your own bank.

Questions

When does it open?

We're finishing the lessons and worksheets now. Create a free account and choose to be notified, and we'll send one email when it opens.

What if I fall behind?

Lessons stay in your account, so you can catch up or go at your own pace.

How much money do I need to start?

None. Week 1 works with whatever you have, even $5 a paycheck.

Will joining add me to marketing emails?

No. You'll get a receipt and the weekly lesson emails for 12 weeks, which you can switch off. The newsletter is a separate choice.