An ideal buffer is an entire month’s worth of expenses, but less can work too. You could slowly build up your buffer by adding a little bit more to your bills and life account until you have a month’s worth of expenses on hand.
If you don’t have enough of a buffer, you might need to spend some time figuring out a schedule for paying your bills. Usually, you can call and have those due dates changed. Yes, you have to sit down and make phone calls and it’s annoying, but the effort is worth the confidence you’ll feel that your system is set up to work properly.
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