Gist
A UK guide to sinking funds: what they are, how they differ from emergency savings, which funds you actually need, how much to save monthly and worked examples for cars, Christmas, holidays and home costs.
A UK zero-based budgeting guide with a worked monthly example, sinking funds, Council Tax, debt, savings, irregular income and a step-by-step method for making income minus planned outgoings equal zero.
A practical UK guide to budgeting with irregular income, covering lowest-month budgeting, average income, tax pots, priority bills, sinking funds, buffers and worked examples for freelancers and shift workers.