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  • Reply Walnut |

    I love putting the unexpected extra money to your neglected sinking funds. You should do a post sometime about how much you plan to save in each one. I cringe at how much we should probably be putting into a car replacement fund and never know what the right amount should be for pet expenses.

  • Reply Catherine |

    Have you looked into a 529 for the girl’s college fund? It can have benefits come tax time, and over the next 15 years, it should (hopefully) have a higher rate of return than a savings account.

  • Reply Jen From Boston |

    I’m also a splitter! I have a spreadsheet that divides the savings accounts into different buckets. My fiance thinks I’m a little nuts, but it helps me track different goals and annual/semiannual/quarterly expenses such as car insurance and property tax.

    My fiance has irregular income, so we’ve created an income stabilization fund. Basically, when he gets paid we put a chunk of his paycheck into the income stabilization fund so we have extra to pull from for those months when my regular income isn’t quite enough. Have you considered doing something similar?

So, what do you think ?