Sinking Funds & Savings Challenges

Set aside, all pots — every sinking fund + the 52-week challenge + the jar.

$11one-time · VAT included · no subscription

Free files

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✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing · EN PL DE FR ES — every edition in one download

✓Free updates forever · 14-day refund

Part of Money Starter Bundle (3 files, $29) and New Year Money Reset Pack (5 files, $39) — and of the Complete Collection (119 files, $99).

The Saturday page

What the file tells you

Seven half-funded pots fund nothing. This sheet gives every future cost its own fund with a progress bar, runs the 52-week challenge with streaks and catch-ups, and tells you each Saturday which pot to protect.

01 · verdictFunds — is the future getting paid

02 · verdict52-week — did this week's deposit happen

03 · verdictNext win — what gets funded next

Sheets in the workbook

✓Saturday · the ritual page

✓Funds · progress bars, months to go, status

✓52-Week · classic or reverse, streaks, catch-up

✓Jar & No-Spend · two small habits

How it works

1Name your funds — car, holiday, gifts, yearly bills — target, saved, monthly amount, date

2Tick the challenge each week — missed weeks show a catch-up amount, not a guilt trip

3Open Saturday — one number, three verdicts, three tasks — ten minutes

Who it is for

Anyone who loves a savings challenge and wants the money to still be there in December.

Dark edition included

Sinking Funds & Savings Challenges — dark edition

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

Pairs well with

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