Should we use HYSA for certain categories?
I posted this in r/personalfinance but haven't received any feedback. Perhaps this sub is more appropriate. Any feedback?
My wife and I keep 'savings' buckets in our checking account (we use YNAB). These buckets could be for annual expenses like Amazon Prime membership, Vehicle registration fees, propane tank refill, etc. It could also be for other semi-annual expenses like property maintenance, auto maintenance, vacation, etc. Currently, all of our money earmarked for those expenses is about $2800 and just sits in our checking account earning no money.
Would it be a good idea to move these funds to an HYSA where we can make a few withdrawals a year to cover the expenses? I would think so but perhaps I'm not seeing the bigger picture.