The Buffer.

Elsie and I were talking about flat-breaking, which is where your flat is sold or your flatmate(s) moves out or you have some kind of BIG uncertainty about where you will live and what you should do and how much your rent will be and specifically, how long to pay the rent on a 2 bedroom unit while you try and find a flatmate. We've both been very lucky and never had to pay the whole rent on a unit in a flatmate gap. And the idea is quite frightening, paying 2 or 3 times your rent for an unknown number of weeks. I mean, my rent is not far off 1/3 of my income already. What a horrifying thought. Anyway, Elsie said "I actually shouldn't stress about spending my buffer, because that's what it's for." Mind Blown. I'm the kind of person who saves a buffer, which is to prevent stress at times of financial uncertainty. But then if I stress about spending the buffer, that defeats the purpose of the buffer. It's there so you don't have to worry. You've got the money, it's for a rainy day, it is actually raining right now, so don't worry about whether you should stay wet or spend it! Focus your worrying on other things, haha.