Expect the unexpected. You don’t know when your car, fridge, phone, computer… will break or when an unexpected bill will come up. But they will.

How much savings should you keep? Aim to cover your next 1 to 3 months of expenses. If you have no savings at all, having your first month's worth of savings is a huge milestone. You will be financially safer, and feel at peace.

You can see and adjust your forecasted expenses in the Cash Flow chart.