Who knew Sinking Fund Envelopes were a thing?
We love Sinking Fund Charts but what if you could have your sinking fund chart and money together, in the same place? With our Sinking Fund Envelopes, you can do just that! Don’t you love efficiency?
Sinking Fund Envelopes
We don’t suggest you keep thousands of dollars in envelopes at home.
Sinking Fund Envelopes are here to make your life easier!
For example, you decide to sell things you no longer need or use, on the Facebook Marketplace, in order to save toward your emergency fund. Instead of running to the bank each time someone buys something from you, place it in the envelope and color in the appropriate lines. Then, when you do your regular banking, deposit that money into its’ designated account.
You know if it doesn’t go straight into the envelope, it will go in your wallet and get spent in unintended ways. Am I right?

Sinking Fund Envelope Supplies
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- Printer
- Paper
- Sinking Fund Envelope Printables – found below
- Scissors
- Adhesive Applicator
- Colored Pencils
How To Use The Sinking Fund Envelopes
- Gain access to your Sinking Fund Envelopes below!
- Print the Sinking Fund Envelopes that would be helpful to you.
- Assemble your Envelopes.
- Determine how much you would like to save for each Sinking Fund and write the number in the GOAL Box. For example, for the $1,000 Emergency Fund envelope, you would write $1,000 in the Goal Box.
- Divide your saving goal by 50. For example, if you want to save $1,000 for your emergency fund, the math would look like this 1,000 ÷ 50 = 20.
- Write the number in the AMOUNT PER LINE Box. For the $1,000 Emergency Fund, that amount would be $20.
- As you save, color in the lines! If your goal amount is $1,000, each time you put $20, in the envelope, color in a line!
- Make your Sinking Funds a part of your monthly budget! If you would like to save $500 in 10 months, you need to incorporate $50 a month into your spending plan.
When you head to the bank, deposit large amounts in their appropriate account.
Have fun saving, coloring in the lines, and reaching your goals!
Sinking Fund Envelope Printables
Click on the picture or link below and a PDF will pop up for you to print!

Read more about how much you should save in a 6 month emergency fund.
More Cash Envelopes
Printable Cash Envelopes For Easy Money Management
Diane taber
Thursday 4th of March 2021
Hi we really need some cash envelopes for to help us out with our budgeting and money. And in the crusade in paying bills and getting rid of all forms of debt and living pay check to pay check. As it’s just rediculous carrying on proceeding down that avenue. We’re both going to be more frugal in future and then start living a more frugal life from now on.
diane taber
Saturday 9th of January 2021
hi we are trying to pay off debt. and become debtfree totally and have just saw your wonderful budgeting wallets and what an ingenius idea to put money in wallets and we d just love some as we think that these are just brillant. and also we are in dire need of a budget to where we can keep getting hold of budgeting sheets that we can print off either weekly or/monthly until were out of debt and then carry them on for budgeting to build wealth.so good job hi 5 for these.as these are brilliant.
Sunshine and Rainy Days
Monday 11th of January 2021
I'm so happy to hear the Sinking Fund Envelopes will be useful to you in your financial journey! For more budgeting worksheets, check out our Budget Binder: https://sunshineandrainydays.lpages.co/budget-binder You can print the pages as many times as you'd like!