Replacing $1,200 over six months: simple math — The calculation to restore $1,200 in six months is straightforward: divide the total by the number of months (1200 ÷ 6 = $200). This basic budgeting math is essential for practical financial planning because it produces an exact monthly target you can automate. Having a precise dollar figure reduces ambiguity (“I’ll save more later”) and increases the likelihood of success through the “pay yourself first” principle. Aligning the transfer size with pay cycles reduces the chance of missed transfers or overdrafts — for example, if you’re paid biweekly, you might schedule two $100 transfers per pay period.

Implementation and contingency planning — Create a dedicated account or sub-account for the replenishment so the money doesn’t mingle with day-to-day cash. If $200/month is temporarily unaffordable, re-evaluate the timeline (e.g., 12 months at $100/month) or identify temporary cuts (reduce discretionary spending, pause nonessential subscriptions). Consider using one-time sources (tax refund, side gig) to accelerate the rebuild while keeping monthly automation in place. Set a mid-point check (after three months) to assess progress and adjust the plan if necessary rather than abandoning it. Once the amount is restored, resume your normal savings or investment schedule.