<prompt> Human: Im in the process of getting my financial life in order Im not drowning but its going to take some work and I was wondering how much I should keep in checking just in case. Im currently working on building a 6 month reserve in a special savings account that I wont touch except in an emergency and I have a budget that includes all my minimum bills. What I am trying to figure out is how much I should keep in my checking account to ensure I do not overdraft. Currently my order of operations goes something like this:1Get Paid2 Pay Bills due between now and next paycheck minimum payments3 Set aside money to live on food, groceries, entertainment, etc4 Pay additional to credit cardsadd to emergency fund.5RepeatWhere I get nervous is step 4, I want to make as large a payment as I can to my credit cards all 0 interest but need to get them paid off in the next 5-6 months as the no interest term will come to an end but I dont want to be so low on cash that I run out if something comes up my emergency fund is pretty small right now. So what do you recommend is a good buffer amount to keep in a checking account? Ill be glad to provide any other details if necessary.  <response>: I keep a little more than a months cashflow in my checking account. This makes all my finances really incredibly simple. What day do bills automatically get paid on? Damned if I know. When do I make my semi-annual car insurance payments? I think June and Dec. Or maybe May and Nov.Could I be making dozens of dollars a year by putting this in savings? Yes, Im burning literally dozens of dollars a year due to my laziness.What works great is that I know what my normal target is, and after payday on the 15th, I can move any excess over that into savings. But its so much easier do the math with after payday but before rent check goes out, anything over X dollars goes to savings. 