How a $10 Habit Saved Me This Week

Last week reminded me why tiny habits matter more than we think.

A few months ago, money was tight while I was paying for my bankruptcy. Even though there wasn’t much room in my budget, something had to change.

I started a sinking fund with just $10 and transferred the money when I got paid. The small step helped me get intentional about my money and I found the room to bump it to $20…then $30 and finally to $50 a check.

Last week my headlights went out, and because it gets dark so early now, I needed them fixed immediately.

And guess what? After saving $260…the total was $250.00.

This moment felt like real progress!

That ten-dollar habit changed how I feel about my money. It gave me confidence at a time when everything felt shaky.

And now I am rebuilding again, increasing the amount, and aiming for my next goal.

That is why sinking funds matter. You don’t have to save hundreds of dollars at a time, but small deposits build protection. The tiny steps will buy you peace.

If you take anything from this, let it be this:
Start where you are.

Put something aside.

Watch it grow.

Let it help you when life happens.

…And then keep going.