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DeluxeXL t1_j1zfrjc wrote

Reply to comment by BraveCheesecake6090 in How to incorporate credit into budget? by BraveCheesecake6090

> I’m in the process of turning my 1 month buffer I currently have into a healthy 3-6 month emergency fund

They are not the same thing. You should put the emergency fund in a separate savings account. Your one-month buffer stays in the main checking account.

Open a 3rd account to save for short term needs, like furniture and sinking funds.

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BraveCheesecake6090 OP t1_j1zgp7p wrote

Ah ok! This was something I had been thinking of doing once I hit 3 months in the emergency fund. (Holiday spending might have set me back a bit but I should be to that point by the end of February or so)

This is my first job out of college and I was basically broke once I took it after paying for associated moving expenses so savings has been a little slow.

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