I think you are doing great.  DH and I do what you’re doing—have different savings “buckets” for different purposes.  It keeps us focused on what goals we still need to work on.

That is great! And honestly once you add a Roth IRA it adds another level of protection although ideally you'll never touch it. Good job staying focused,  the faster you get through BS3 the faster you get to a step where your money can work for you so you won't have to someday!

starchyk, you are exercising that important "saving muscle" and will reach your goals.   

17 hours ago, kelvan80 said:

 the faster you get through BS3 the faster you get to a step where your money can work for you so you won't have to someday!

Yes!!! You can really start piling up money once you're through Step #3!!  Keep on keepin' on!!

We have all our sinking funds in one account too. I have a spreadsheet showing how much is for vacation, how much is for car repair/replacement, how much for Christmas, how much for home repair/replacement, etc. but it is good to know that money could be reallocated (less into vacation, more to car repair, etc.) if need be. 

4 hours ago, delilahdr said:

We have all our sinking funds in one account too. I have a spreadsheet showing how much is for vacation, how much is for car repair/replacement, how much for Christmas, how much for home repair/replacement, etc. but it is good to know that money could be reallocated (less into vacation, more to car repair, etc.) if need be. 

Yup, exactly what we do.

Thank you all for the encouragement! September is a three pay month, and I just did the budget for tomorrow’s cheque- I will have two months in my EF once I make tomorrow’s savings transfers! And even though I bought a desk (being reimbursed by work, but no idea how long that will take, so it’s budgeted!) I will still have over 10K Total in my savings accounts!

Thanks for your inspiration.  I too am working on my FFEF, lets flex that savings muscle.