Have you ever heard of sinking funds?! I know I hadn’t before starting my financial freedom journey. I only set mine up this year – and I wish I had started sooner! A sinking fund is a way to mentally and physically allocate your money so as to better protect you and your peace of mind.  For me, I have always felt guilty about spending money. I don’t know why or where it stems from, but it’s really hard for me to buy treats, days out or anything fun! Sinking funds allow you to make small, manageable steps toward your ultimate goal in my opinion. What is a Sinking Fund?…