{"product_id":"the-sinking-fund-reset-guide-spreadsheet-bundle","title":"The Sinking Fund Reset Guide + Spreadsheet Bundle","description":"\u003cdiv\u003e\n\u003cdiv\u003e\u003cspan\u003eYou 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.\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eThis bundle ends that cycle.\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eWhat's inside the bundle\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eTwo files, delivered together at checkout:\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e- 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.\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- 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.\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eWhat you'll learn (and execute)\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e- Why monthly budgets break in November (and why a sinking fund fixes it permanently)\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- The seven funds every household needs — Christmas, car maintenance, registration, pets, gifts, subscriptions, travel — with realistic annual targets\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- How to size each fund using last year's bank statements (no spreadsheet wizardry required)\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- The three-step automation: one savings account, one auto-transfer, one 5-minute monthly ritual\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- The \"ratchet rule\" that keeps the system from rotting in month nine\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- The 30-day rollout that gets everything live without overwhelming you\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eWho this is for\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e- Anyone whose budget keeps falling apart in the same month every year\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Households trying to stop putting predictable expenses on credit cards\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Couples who need a shared system both partners can run from a phone\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- People who tried envelope budgeting once and found it too fussy to stick with\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eWho this is not for\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e- People without any flexible monthly cash to redirect — fix that first, then come back\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Anyone looking for an aggressive \"debt-free in 6 months\" promise — sinking funds are slow on purpose\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Hobbyists who want a 200-page personal-finance treatise — this is a 8-page playbook, not a textbook\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eFormat \u0026amp; delivery\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e- Two files: 8-page PDF guide + Google Sheets spreadsheet template (with setup PDF)\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Instant download after checkout — both files appear in your order email and account\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- Spreadsheet works on any device with a free Google account\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cspan\u003e- PDF works on any phone, tablet, or computer\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eThe promise\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eIf you run this for one full year, the December panic doesn't come back. That's the whole product.\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003eIf 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.\u003c\/span\u003e\u003c\/div\u003e\n\u003cbr\u003e\n\u003cdiv\u003e\u003cspan\u003e— Order Collective · Line 01 · Money\u003c\/span\u003e\u003c\/div\u003e\n\u003c\/div\u003e","brand":"Order Collective","offers":[{"title":"Default Title","offer_id":49488464412911,"sku":"OC-MNY-001","price":24.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0815\/0600\/9327\/files\/01_cover_c9778561-3139-445f-b763-de2d77862b78.png?v=1777911727","url":"https:\/\/order-collective.com\/products\/the-sinking-fund-reset-guide-spreadsheet-bundle","provider":"Order Collective","version":"1.0","type":"link"}