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Unpopular opinion: keeping a $50 buffer in checking is smarter than a full zero-based budget, and my overdraft fee story is why
Two Fridays back I was at the grocery store on 5th in Boise and my card got declined over a $6 difference. I had budgeted every single dollar down to zero like all the apps tell you to, so the electric bill that cleared a day early wrecked me. I stood there holding a carton of eggs with people behind me and just put everything back. That night I moved $50 into checking as a permanent floor and stopped assigning every last cent in my budget. My sister thinks that $50 is lazy and says a real zero-based budget keeps you honest. I think a buffer is what actually keeps you honest, because a budget you blow up twice a year is not a plan. So what is it, is a small buffer smart or does it just give you room to be sloppy? Where do you all land on this?
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