Guides / Save in good months
Build a buffer for uneven months
One to two months of your paycheck, in your holding account.
A buffer is what makes a steady paycheck possible. It's different from an emergency fund: it smooths normal ups and downs, rather than covering a crisis.
How much
Many people aim for one to two months of their steady paycheck in the holding account, then build a separate emergency fund.
How to build it
- Pay yourself a little less than your baseline at first
- Leave the extra from every good month in holding
- Add windfalls and big tip weeks
General educational information, not financial or tax advice. Little by Little Cash isn't paid by any lender, app or gig platform.