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After having a similar banking error, I decided to place part of my emergency fund in my checking account to cover for big mistakes. My thought was to put the equivalent of two pay checks in my account for one of those "Oh crap!" moments. It also serves as a quick reserve for emergency repairs or difficult moments when I need to make an unexpected large payment. I built the reserve up slowly by putting $50 per paycheck in my account.

To date, it's saved my butt once already. It also gives a nice feeling of peace knowing it's hiding there in the back of my check book register.

Just a thought from one who has been there and sympathizes!
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