emergency fund

Our Decision: Continuing With Focused Intensity

by John August 23, 2010

This is more of an update article on our lives than anything else. Courtney and I have come a long way with our finances. We were both heavy spenders before marriage. Today, we’re on the extreme side of frugal. As of late, our financial focus has been tested due to several big projects that have [...]

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Dave Ramsey’s 7 Baby Steps: Step 3 – Save Up 3 to 6 Months of Expenses to Complete Your Emergency Fund

by John June 12, 2010

Wow. By this point, you will have paid off all your non-mortgage debt and are ready for Baby Step 3 . . . fully building up your emergency fund! As you transition from paying off debt to building up cash, you’ll be more financially secure than most. If you’re ready for Baby Step 3, you’re [...]

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An Unexpected Benefit of the Emergency Fund

by John May 10, 2010

We are now in the process of building up 6 month’s worth of expenses in an emergency fund. We have met half of that goal, and expect to reach a full six month’s worth of expenses shortly. During this process, I started to realize that there was a benefit of saving up money that I [...]

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How to Build a Dependable Financial Vehicle

by John May 7, 2010

Building a financial foundation is a lot like building your own custom vehicle – you have to have the right components. Everything must be working together in unison to get you where you want to go. Each part is important. Each part is essential. The only trouble is where to begin. I’m going to attempt [...]

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The “Hill and Valley” Fund

by John April 11, 2010

I recently heard Dave Ramsey speak of a new type of budgeting category – one that I’d never heard of before. It’s called the “Hill and Valley” Fund. Dave described it as not quite an emergency fund, but a fund that allows some flexibility for the monthly budgeting categories. For example, if you were to [...]

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How to Find a Reliable Yet Affordable Replacement Dishwasher

by John March 19, 2010

Murphy is at it again. A few days ago our dishwasher started spewing water all over our kitchen floor. It was unpleasant, but we knew that we had our Murphy repellant (emergency fund) to help us afford a new dishwasher. We haven’t bought one yet, but we spent a good portion of the day looking [...]

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Breathe Easier with an Emergency Fund

by John March 8, 2010

I’ve talked with numerous people who don’t have an emergency fund. All of these people have one thing in common: they are stressed when they talk about finances and often overdraw on their bank accounts. If you’re one of these people, you’re surely not alone. Building an emergency fund can seem like a tedious task [...]

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Why a Higher Deductible Sometimes Makes Sense

by John January 5, 2010

Insurance is a crucial part of developing a firm financial foundation. For the longest time, I was under the disillusionment that lower deductibles were always better than higher ones. Besides, you get to pay less money for a repair, right? Not always. You may be paying much more in premiums than should be justified. Whatever [...]

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