Everyday Money · 1 min read

Sinking Funds: The Frugal Trick That Kills Financial Surprises

Saving ahead for the "unexpected" expenses that aren't really unexpected.

Educational, not advice. This article is for informational purposes only and isn't financial, investment, tax, or legal advice. See our full disclaimer.

Key takeaways

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Saving ahead for the "unexpected" expenses that aren't really unexpected.

Why this matters

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The breakdown

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Dana Oyelaran

Former product lead, personal finance fintech; CFEI-certified financial education instructor

Dana writes the Everyday Money and Investing Foundations coverage at Thrifty Thinker. Before that, she spent seven years building budgeting tools for a fintech startup and burned out on jargon-heavy advice she couldn't use herself.

Published April 3, 2026