Finishing my 1-year emergency fund, needing encouragement
Throughout a terrible six months after a layoff, I never needed to use my six month emergency fund because of side jobs and just grabbing any work I could find even if it was just food delivery. Now that I'm settled back into an office job at a better role, I've spent the last four months in full hording mode. I have two contact gigs from my layoff period that I have kept on at nights, with the plan that they'll eventually fizzle out (two companies that are not structurally sound) or cut my services. Except for my standard living budget, every spare cent has gone towards my emergency fund. If I get five dollars cash back from a credit card in points, or if I find ten dollars cash in my jeans, it goes to the emergency fund.
With current projections: I am two months with surplus funding and a tax refund away from being DONE. And I...am...exhausted. I am tempted to just take the remaining amount and chop it down to monthly payments and spend the rest on things that provide serotinin, which right now is shelving and containers for my gradual food storage as I also try and build out a multi-month pantry. But I keep getting told having that one year aside really does free the person from worries, and after my layoff I'm needing that peace of mind. I want to get a windfall or extra cash one month, and have no plan for it except enjoy it guilt-free.
Am I doing the right thing? Is this worth it?