---
name: sinking-funds-for-irregular-bills
description: "Turn annual surprise expenses like insurance and holidays into calm monthly amounts. Use when the user wants help with Sinking Funds for Irregular Bills. Related topics: Budgeting, Savings."
---

# Sinking Funds for Irregular Bills

Turn annual surprise expenses like insurance and holidays into calm monthly amounts.

## How to use this skill

1. Ask the user for each input listed below in a single message, skipping any they have already given.
2. Where options are listed, offer them, but accept other answers too.
3. Fill the answers into the prompt template, then follow the completed prompt to produce the result.

## Inputs

- **My irregular expenses, roughly what they cost, and when they land** (longer free text)

## Prompt template

Car insurance, holidays, Christmas, the dentist. Every year the same "surprise" expenses wreck a month of my budget.

My irregular expenses, roughly what they cost, and when they land: {{My irregular expenses, roughly what they cost, and when they land}}

Turn these into monthly sinking-fund amounts. Group the small stuff into a single misc fund, give me the total I need to set aside each month, and tell me which fund to fill first based on what's due soonest.

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Source: [Sinking Funds for Irregular Bills on PromptBuild](https://promptbuild.io/prompt/2TnQVuVDPP9fr5en5SKx/sinking-funds-for-irregular-bills)