Dear So and So

[Becky]

Dear Tulip,
Wow, you are doing so wonderfully with your finances...you are really getting it! Did you really budget and fund all your bills and expenses THROUGH APRIL already?? Funding and budgeting two months ahead is AWESOME! And saving for all those rainy day categories really makes life easier. Ahhhh...

Awesome! We're still plugging away at getting that buffer built up, but we're doing a great job of saving for rainy-day categories. No more scrambling to pay the heating oil bill! Any suggestions for buffer building?