I’m only halfway through my 20s, but WOW have I spent money on some dumb sh*t. I wish that there had been someone there to be like “Hey, friend. You sure you want to spend $900 on DoorDash in the month of February?”. Yep. True story. So below are the worst purchases that I made in my 20s, and what I wish I could do differently.

Sinking funds CHANGED my budget. These are all of the non-monthly expenses that you tend to forget about, but are a huge part of your budget. Think: car repairs, Amazon Prime, and Christmas. The goal is to treat these expenses as if they were monthly expenses and set aside money EVERY MONTH so that you are armed with the cash when the time comes to spend it. Below are the 10 sinking funds you need to add to your budget, in order to get out and stay out of debt.