Quote Originally Posted by tulip View Post
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.
Thumb's up, Tulip. That's awesome! I'm really thrilled for you.