Why you need a sinking fund and how to start one

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There are certain expenses you cannot plan for, an unexpected death, a debilitating illness, a car crash. But there are some expenses you can prepare for. 

You know eventually you will need a new car. 

You know that your home will need a new bathtub, new fridge or (in what we're dealing with right now) a new roof. 

That is why you need a sinking fund. 

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