I've always found that really hard to do. I know it is probably better for you from a interest stand point because you are able to earn more, but I have a hard time remember what money is for what. When you keep it separate from the beginning it must makes more sense and there is less chance you accidentally spend some on the wrong thing. That is just me though. I came here via Listnerds.
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For me too its hard too to maintain a single portfolio, because that needs constant attention when one of the gaol is nearing. So its better to keep separate and review once in six months.
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Yeah, that makes sense to me. I think there is a reason a lot of financial planners tell people to use the envelope or jar method. It is just better to keep things separate.