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[–] 25 points 2 years ago (5 children)

That's my problem: I start saving and then suddenly I have a huge expense and I need to empty out my savings. Happens at least every six months.

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  • [–] 33 points 2 years ago

    I'd argue that's proof of your emergency fund working! You were able to save enough money to cover an unexpected expense/emergency without having to go into credit card debt.

    Kudos! You should feel proud of yourself!

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  • [–] 1 point 2 years ago (1 child)

    Well I guess you could cut costs. I don't know I'm not a financial advisor

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  • [–] 10 points 2 years ago (3 children)

    I cook at home mostly, I don't go on vacations, my cars are both at least 8 years old, and I live in a low COL area.

    I guess I could kill one of my children but I don't think that would make economic sense.

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