All right, ladies. Let’s open those banks apps and see how much money we’re working with for the rest of June. And more importantly, checking in to see if we’re on track for the rest of the year. I hope many of you are and if you’re aren’t, let’s talk about it.

Well….let’s plan for it, at least.

For me, I’ve always wanted to have a spare $1,000 in the bank for an emergency. Y’know, a rainy day fund. And surprisingly, I don’t have that yet. Working on it, but not completely there. I have more than that in my dream home fund. Much more than that in my IRA (I converted my 401k from the old job). More than that in my checking account. But surprisingly, just a few hundred bucks in my savings.

Why?

Chase, where I have my emergency savings account with, is only offering 0.01% for accounts with less than either $5,000 or $25,000. Something like that. In other words, Chase wants be to believe I’m earning interest on my money by offering one percent of a penny. What the hell! So… the extra funds that I’ve accumulated have been moved to my dream home fund, with Ally Bank, and they give me 2.20%. The difference is like night and day.

But that’s no excuse not to save for an emergency. So, by the end of the year I will have met more than that $1,000 emergency fund goal. And it’ll just sit there till I need to use it. In addition, I’ve been cutting back on my Uber and Postmates spending. Which got out of control in April and May. And I’m saving to lease a new car by next month with Fair.

So, I’m making some traction with my short term financial goals. How about you?

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