25. How to Use Sinking Funds to Stay Out of Debt

Unexpected expenses don’t have to send you spiraling into credit card debt. In this episode of Her Money Mindset, we’re diving into how to use sinking funds—one of the most powerful (and underrated) tools to help you stay ahead financially.

You’ll learn:

• What sinking funds actually are 


• The most common categories to start with


• A step-by-step system to create and track them


• How to build them into your budget even if money is tight


• Why using sinking funds can completely change your relationship with money

🎯 Whether you’re prepping for Christmas, car repairs, or your next trip—this episode will help you stay ready and debt-free.

Resources & Links:

✨ Grab the Budgeting Basics Bundle — use code THANKYOU25 to get 25% off

💸 Combine the Budgeting Template and your SoFi high yield savings account to set up your sinking funds today!

🤍 Join Her Money Club for accountability and bonus content

📞 Book a 1:1 Coaching Call or Apply for Private Coaching

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