Another way we simplified our finances was to automate our savings.
Each pay period (after the direct deposit), we contribute to our emergency savings. We have done this through an automatic transfer from our checking (where the direct deposit occurs) to our savings. A specific amount of money is moved from the checking to the saving each and every payday. No more I’ll save after I pay my bills. You know this story, there is never anything leftover to save. So get in the habit of paying yourself first and then you will start to see you saving grow. This was great with the pandemic and less income coming in, we had our savings to fall back on.
You can do this too. You can set it up through you bank and set up an automated transfer or you can have your paycheck split between two accounts (checking and savings). Either way works. Bottom line, you need to have a savings account for whatever life throws at you. Start your automated savings today. You won’t be sorry.