Quote Originally Posted by Becky View Post
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?
Becky, it took me a year to get my buffer. I started out with a small emergency fund, and then just kept growing it until it reached my buffer amount. Then I rebuilt the emergency fund, so I have a buffer and a separate emergency fund. Now I'm building up my rainy day categories, and it's going nicely. I have taken on some side work that I really enjoy, and that has helped pad out my rainy day funds. I could not have done this without YNAB, but now I find it really alot of fun and it's very empowering to me to be in control of my money instead of the other way around.

Alexis-the-Tiny, I'm glad you found something that works for you. If I can inspire one person to take control of his or her finances, it's a win for everyone. If I can do it, anyone can, that's for sure.