Rob Phelan uses a "bucketing" system within his high-yield savings account to plan for expected but irregular expenses.

Bank transactions on holidays Where to get cash ... So, instead of hinging on a lagging direct deposit, you may want to come up with a backup plan in case the transaction gets delayed.

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Nifty Financial Services fell 0.8%, Nifty Bank 0.6%, and Nifty PSU 1.2%. IT stocks dropped 1.2%, with Coforge and Wipro sliding 2.8% and 1.7%, respectively.

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