Sinking funds
Saving for the expenses you already know are coming.
The bills that break a budget are rarely the surprising ones. They are the predictable ones that arrive all at once — insurance, registration, the annual renewal — treated as emergencies only because nothing was set aside.
What a sinking fund actually is.
A sinking fund is money accumulated in advance for a specific known expense. Not an emergency fund, which is for the genuinely unforeseen, and not general savings, which has no assigned job. A sinking fund has one purpose and usually a date.
A £600 annual premium is a £50 monthly problem if you start twelve months out, and a £600 crisis if you start the week it is due. The amount never changed — only the runway did.
Why one savings balance is not enough.
Several known expenses land in the same year, and a single balance cannot tell you whether the money in it is already committed. Progress toward each one has to be visible separately, or you end up spending the car-insurance money on the holiday and rediscovering the problem in November.
Tracking several funds at once.
Mr Stash⋅Money Bucket Planner holds multiple named savings funds, each with its own target, due date, contributions and withdrawals. There is no bank connection, no account, and no money movement — it tracks the plan while your bank holds the money.
It is a one-time $4.00 purchase with no subscription.
Clear boundaries
What this is and is not.
Mr Stash is a manual planning tool, not financial advice, not a bank, and not a payment service. It does not move, hold, or access money and does not connect to a financial institution. Figures shown are the ones you enter. Decisions about what to save and when remain yours.