Re: buffer money — on the advice of my mother, back when I could afford to do this, I put fifty…
Elizabeth Belyeu
2

I use YNAB and check what’s left in my budget each time I record a transaction. I don’t even check my overall checking account balance much anymore, other than shuffling money between checking accounts once a month or so. I haven’t gotten with a few hundred dollars of 0 since I started, so I guess it’s working!