Family Budgeting System (India): The Sinking Funds Trick That Stops Credit Card Dependence
Many families struggle with budgeting not because income is insufficient, but because expenses arrive unpredictably. School fees, medical costs, festivals, repairs, and family events often lead to credit card usage or emergency borrowing. A structured family budgeting system using sinking funds solves this problem. Instead of reacting to expenses, you prepare for them in advance … Read more