In short, sinking fund categorizations are a great way to prioritize self-care while also staying within your budget. It helps to balance present-you needs while also saving for future-you.
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Unlike the majority of people, I’ve never used a debit card. Instead, I started my financial life on a credit card. I get a lot of questions about “why” or “how” I’ve done that. For me it’s easy, I get rewards like cash back or points when I use my credit card. If you’re buying essential items such as food, hygiene products, gas, etc. month to month why not get cash back or benefits from it?
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