To start with- i would be sharing my experience good and bad as i post about portfolio development 1) first things first - i always keep atleast two-three months maximum income ever to tackle any emergency. For that i have in bank opted for autofixing i.e whatever balance i have in my account it is automatically fixed the moment i withdraw money the next whole number is deducted from the fixed amount and rest remains as it is. I don't get interest for that month only on the withdrawn amount. This is first hand safety remember a bird in hand is worth two in bush. If you like my post please do respond so that i continue. People in hurry to earn please do not read further. Thanks next post will be distribution of monthly income. Thanks Devendra past personal experience made me take this step.