Typically, anxiety assets are assets that a consort uses to direction field repairs, fix and or equal of field items. Repayment into where the assets originated, or backwards into the anxiety money is required.
How would a individualized anxiety money be ran and would it be beneficial?
Get a list of you major assets that depreciate like a car or TV with the cost to replace. Divide the cost by the number of years that you will have the asset. That amount is what you save each year. Once you have a Sinking Fund, you can avoid debt.
See the link below and read about the Replacement Cost Budgeting.
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