http://sgfinancialfreedom.blogspot.com/2009/10/2-easy-steps-to-build-emergency-fund.html
You actually may need four bank accounts.
1 - For living expenses and GIRO
2 - For Emergency Fund (3 months in conjunction with FD period 6/12 months)
3 - For Investment and Trading
4 - Fixed Deposit (Mid Term Saving)
With the 4 bank accounts, you are absolutely clear on the money movement and transactions and also easier to maintain records tracking by downloading monthly statement from the banks.
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