The 3-Account Safety Net: Emergency, Sinking, and Opportunity Funds
The 3-Account Safety Net: Emergency, Sinking, and Opportunity Funds
One simple structure to absorb surprises, plan big expenses, and seize deals — with Onu insights and reminders.
Most money stress comes from two things: surprises and timing. The cure is a lightweight system of three accounts that gives every dollar a job.
Simplify your finances with Onu. Track your safety net effortlessly.
Try Onu1) Emergency Fund (Don’t-Touch Money)
3–6 months of essential expenses. Job loss, medical bills, car repairs — this is your shock absorber.
2) Sinking Fund (Known Future Costs)
Annual/quarterly bills, travel, insurance premiums, home maintenance. Save a little each month so “big” isn’t scary.
3) Opportunity Fund (Offense Money)
Deals, courses, equipment, investments. Keeps you ready for upside without raiding your emergency fund.
Master your accounts with Onu. Stay on track with smart alerts.
Get OnuHow Onu Helps (Insights, Not Custody)
Onu doesn’t move your money. We analyze, alert, and advise — you take action.
- 🔔 Alerts when Emergency dips below your floor
- 🗓️ Reminders for upcoming Sinking Fund expenses
- 🚦 Suggestions when Opportunity is over/under budget
Quick Start
- Open/label three accounts in your bank app.
- Set target amounts and monthly contributions.
- Connect accounts to Onu to get progress nudges.
Build your safety net with Onu. Start now.
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