Guides / Money habits
Start a small cushion first
A few hundred dollars keeps small surprises off a card.
Before bigger goals, a small cash cushion covers things like a flat tire or a co-pay, so they don't turn into card debt or an overdraft.
How
- Pick a first target, like $500
- Keep it in a separate savings account
- Set an automatic transfer on payday, even if it's small
- Refill it after you use it
General educational information, not financial or tax advice. Cents and Common Sense isn't paid by any bank, lender or card company.