Money
The Sinking Fund Reset Guide + Spreadsheet Bundle
$24.00
You knew Christmas was coming. You knew about the school holiday show, the wedding gift, the car registration. None of it was a surprise. Yet on December 19th, you're $700 short and the credit card balance is climbing.
This bundle ends that cycle.
What's inside the bundle
Two files, delivered together at checkout:
- The Sinking Fund Reset — an 8-page PDF guide on the why and how. The principle behind sinking funds, the seven funds nearly every household needs, the three-step automation, and a 30-day starter plan. Order Collective brand — calm, direct, no Dave Ramsey scream.
- The Sinking Funds Tracker — the Google Sheets template that runs the math. Track up to 12 funds, log every deposit and withdrawal, see total saved, monthly need per fund, and next deadline at a glance. Works on laptop, tablet, and the free Google Sheets mobile app.
What you'll learn (and execute)
- Why monthly budgets break in November (and why a sinking fund fixes it permanently)
- The seven funds every household needs — Christmas, car maintenance, registration, pets, gifts, subscriptions, travel — with realistic annual targets
- How to size each fund using last year's bank statements (no spreadsheet wizardry required)
- The three-step automation: one savings account, one auto-transfer, one 5-minute monthly ritual
- The "ratchet rule" that keeps the system from rotting in month nine
- The 30-day rollout that gets everything live without overwhelming you
Who this is for
- Anyone whose budget keeps falling apart in the same month every year
- Households trying to stop putting predictable expenses on credit cards
- Couples who need a shared system both partners can run from a phone
- People who tried envelope budgeting once and found it too fussy to stick with
Who this is not for
- People without any flexible monthly cash to redirect — fix that first, then come back
- Anyone looking for an aggressive "debt-free in 6 months" promise — sinking funds are slow on purpose
- Hobbyists who want a 200-page personal-finance treatise — this is a 8-page playbook, not a textbook
Format & delivery
- Two files: 8-page PDF guide + Google Sheets spreadsheet template (with setup PDF)
- Instant download after checkout — both files appear in your order email and account
- Spreadsheet works on any device with a free Google account
- PDF works on any phone, tablet, or computer
The promise
If you run this for one full year, the December panic doesn't come back. That's the whole product.
If something isn't working — broken file, link won't open, content not as described — reply to your order email and I'll fix it or refund you fully. That's the Order Collective promise.
— Order Collective · Line 01 · Money