The repair fund I set up this week already got dipped into, and it wasn’t even for a repair.
Turns out a subscription renewal landed on the same day as a utility bill, checking account went low, and the automatic transfer into the new fund just didn’t go through. No alert, nothing, I only noticed because I happened to check the app on the train home.
So now I’m back to moving money around by hand, which is the exact thing I was trying to stop doing.
The long commute doesn’t help either. By the time I get home I don’t have much patience left to sit down and sort out which account is supposed to cover what.
Honestly felt pretty deflating, like the fix from last week didn’t even last long before real life found the gap in it.
Still keeping the categories split the way folks here suggested, bills separate from the extra fund, I just thought the automation part was handled, and apparently it isn’t.