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NSD, Emergency Fund

April 5th, 2008 at 01:06 am

I didn't have to spend any money today, as the gas tank is still about half full. I also took lunch to work, a salad with cheese & ranch dressing, and some egg noodles that I made this morning. The tupperware I got at the Dollar Tree is really coming in handy. Smile

I missed BF alot today. I still do actually. I guess it's just one of those days that seem harder than others, when you see other couples doing everyday things like shopping for pet food, or holding hands coming out from the grocery store. Less than a month until he's here though... and this time he's not leaving. Even if I have to break out the handcuffs. Big Grin

I have decided that the next time I buy dog food, I am going to get the cheap kind from my work. It's even cheaper than Ol'roy from Walmart, for a 50 lb bag, and I get it at 5% over cost, which should make it even cheaper.

I've also decided to save $500-$1000 in an emergency fund. There are some things that aren't practical to budget for monthly (like semi-serious car repairs), but can't be ignored either.

What prompted this decision? My truck has started making this weird grinding noise. It's not all the time, at least I don't hear it all the time. It's mostly when I'm going slower, like in a parking lot, and I'm pretty sure it's the worst when I'm applying the brakes. BF says it could be anything from needing brake fluid to brake pads to new roters (sp?). This is all new to me, because it's never given me any problems, so it's a surprise to think something might actually be wrong with it.

Either way, I'm going to try and make it until BF gets here in less than a month, and then he will be here if I need to take it to the shop for a day or two.

Another reason for the emergency fund is income uncertainty. While I'm on salary, we're not sure what hourly pay BF will be able to get a job with, or how many hours he'll be able to get either. So it would be nice to have a little extra to dip into if we fall short in the first few months.

1 Responses to “NSD, Emergency Fund”

  1. frugaltexan75 Says:
    1207358797

    An EF is a very good thing to have. You never know when something unexpected will happen. If you're like me though, if something happens where you actually have to *spend* some of the EF on something, it will be very painful. Of course, not as painful as it would be if you didn't have the money in the first place!

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