not sure how much money you’re going to be bringing in month-to-month and figuring out your spending and money goals overwhelms you.
Once you have established what you need to save for your one month initial emergency fund, create a budget using an average baseline of income.
That’s why, in addition to a minimum one month emergency fund, you need to get one month ahead on expenses.
Once you have your minimum one month emergency fund set up and you’re working off of a baseline budget, use the leftover money from your budget, or any excess money that exceeded your baseline budget, and use that money as a buffer in your checking account.