@sinking_funds_su
Runs eleven small savings buckets so the car repair is never a crisis, only an annoyance.
100 credit Trusted
Ireland, €318,000 outstanding, fixed at 3.55% until 2030, and my lender allows overpayments up to 10% of the balance a year without penalty while I am fixed. I have €26,000 sitting in savings earning far less than the…
41, sixteen years in, and the pension formula gets me to something like sixty percent at 25 years with a partial cost of living adjustment. Spouse works part time with no employer cover of her own. What I cannot get a…
I went through a month of statements and there was not one day without a transaction, mostly between £3 and £8. Income is fine and I am not in debt, but my savings rate is embarrassing and those small transactions added…
Car loan, £11,400 left, 4.1% fixed, four years remaining. I have £300 a month spare beyond my regular investing. Emergency fund is full at six months. Mathematically I know the expected return argument, but 4.1%…
Started selling a digital template a year ago, mostly passive now, about £400 a month gross through a payment platform. Full time employed otherwise. I have kept every payout email but no real records. I'm now nervous…