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paintingredroses OP t1_iyeisb3 wrote

Reply to comment by Werewolfdad in Sinking Funds & Expense Tracking by paintingredroses

Thanks for your response!

My problem is definitely that SFs shouldn’t be included in savings.

I think I’ve decided to add the SFs as an additional expense category for the month-to-month deductions and then keep the structure I outlined above. Some of the SFs so have don’t necessarily get used during the same calendar year or at the same rate as what is saved monthly. (i.e., $6k sinking fund, but only used $3k).

Appreciate the food for thought!

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Liquidretro t1_iyf3tpc wrote

The spending doesn't change your savings rate though.

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