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Despite sounding like a Wall Street disaster movie, sinking funds just mean setting up dedicated money pots for things you know are coming – like holidays, Christmas, weddings, or that annual bill that somehow surprises you every year. You can have a few sinking funds on the go at once, depending on what you’re saving for: 💲 Short‑term: car repairs, gifts, medical bills 💵 Medium‑term: holidays, furniture 💰 Long‑term: weddings, a new car Instead of one big “ouch” moment, sinking funds break large costs into smaller, more manageable steps – which feels a lot easier on your bank balance (and your brain). 🧘 Less stress – no panic when bills hit 🎯 Big goals feel more doable when you save bit by bit 💪 Builds consistent, feel‑good saving habits 🤓 Keeps money organised (every dollar has a job) To start your own sinking fund: Pick what you’re saving for, work out how much you’ll need (and by when), then put away a small amount regularly. Setting up automatic payments to your money pots helps - and you can always tweak things as life changes. For information purposes only and is not intended to be financial advice. If you need help, please contact BNZ or your financial adviser.