$1000 Emergency Fund is B.S. | June Budget | Aja Dang
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- čas přidán 30. 05. 2019
- I'm Aja Dang and man oh man oh man. This month was financially tough BUT because I overly prepared for the possibility of a scary emergency, everyone in my family is alive and well.
Let the be a lesson: you know your life best. you know what type of an emergency may happen in your life. and you know how to prepare for it (financially and emotionally). It's been recommended by Dave Ramsey, someone who inspired my financial journey, that we have an emergency fund of $1000. I know that was not enough for what may be considered an emergency, and I was right. I am very grateful that I listened to my instinct. It maybe have taken me away from contributing to my student loan debt for a couple months but it was worth it.
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The 3-6 month worth of expenses is the real emergency fund
YOU BETTER PREACH!!!
God isn't that truth. Especially if you are a 9-5 er and your company is doing layoffs. I had that happen twice to me.
yes, I know. But Dave Ramsey says you only need $1000 in your EF while you're paying off debt. That is what I'm referring to.
Exactly
Yes 3-6 months is a real emergency fund. She is doing the Dave Ramsey debt free plan. He wants you to save $1000 then put everything on debt after you take care of your essentials.
Hi! I didn't make it very clear in this video: I do believe that $1000 should be the MINIMUM you have in your emergency fund but if you believe you need more to feel comfortable - go for it. But nothing less than $1000. ALSO, yes, I know Dave Ramsey says 3-6 months emergency fund but that's AFTER you're debt free, not during. So I'm saying you need more than $1000 during your debt free journey.
Great advice! Thanks for telling me what I always suspected about the $1,000 fund bs. I’m fresh out of college and your honest and driven journey is really helping me plan a safe financial future! I’m rooting for you and looking forward to some positive updates ♥️
Where did you buy that blouse? So pretty!
I agree!! $1,000 should be the minimum!
I honestly think it should be the opposite. You need a bigger emergency fund while you have debt, so you can be safe in the next months. After you’re debt free, you can get away with a smaller emergency fund, because you can always leverage something (mortgage your house for a few months if it comes to that - after it has been paid off of course)
Mariya Dikova Great feedback
The $1k via Dave Ramsey is just a starter. The real emergency fund he says is 3-6 months of expenses.
yes but that's after you pay off your debt and many of us are not debt free yet.
Perhaps it depends on how a person allocates money to their emergency fund. I plan to start with 1K before pursuing my debt free journey. While I’m on my debt free journey I will still focus on building up my emergency fund to contain at least 2 years worth of income because personal preference. Will I pay my debt off super fast? Probably not my student loans but most definitely the small debts. It really all boils down to lifestyle, preference, needs, how a person plans to allocate their funds, finance goals, and each individuals debt. But just to tackle my small debts I could make due with 1K if absolutely necessary. Also, I haven’t had a good history with pet insurance I rather preferred dealing with the wellness plans offered with Banfield or VCA there are certain services like shots, heart worm, routine exams and a certain number of vet visits. While surgery isn’t covered and you’d still have to pay out of pocket it beats having to pay for everything up front and then have the insurance reimburse you. Just a little food for thought.
Aja, you should be SO proud of how much debt you have paid off. I've been following for quite some time and I understand that $47,000 seems overwhelming, but it is AMAZING when you look at what you started off with. Keep going, you are doing amazing!
thank you!
$1000 definitely isn't enough to weather a job loss, but it's a great starting place. I just paid off my car TODAY and now I'm going to start building my emergency fund to 3 months of living expenses. I'm going to have find a new job in 1.5 years so the emergency fund I'm building will help if I'm not able to secure a new job then. That sucks that your dog had unnecessary surgery and it cost you so much, but on the bright side it's amazing that you were financially in the position to help when you thought that was needed.
CONGRATS girl on paying off the car! That's awesome! Wishing you continued success in your financial journey!
Wow you go girl! You had around $200,000 in student loan debt and now you only owe $47,000! That’s amazing
Even in the PH, a third world country, I still think $1000 is not enough. I'm glad I was able to find better work that paid so much more than my old plus I was able to set up multiple income streams in the past year. Right now I have $11k on my emergency fund and I just continue putting money on that account. Since my dad's insurance coverage is very low, I am saving for both my own emergency fund and being able to help out if ever something happens to my dad who's already retired. My savings is also bigger than my emergency fund so if ever I need to dip into that, I hope I will be fine.
I have been feeling overwhelmed too with my student debt, I get home dead tired from working my ass off and yet my income barely fits all the bills. Its great to see a youtuber talk about real life shit.
I hope we all get through these stressful times. Keep your head up.
you are def. REAL LIFE GOALS,. like this is practical stuff that I wish they taught in school.
REAL LIFE GOALS OF BEING 100K IN DEBT! WOO WOO
@@wolfman9959 LOL. That isn't what I was referring to. What I meant is that Aja keeps it real, and obviously DEBT is an everyday thing in people's lives. She's 'real life goals' as to how she is setting up her finances..
Kat B. I know. I was just being a dick. I’m sorry.
The 1k is always described as a psychological tactic by Dave Ramsey when he has spoken of it to callers.
When my dad lost his job, my sister and I were in college, my mom was getting treatments for cancer sooo it was bad. NOW after getting the idea for an emergency fund from Aja Dang, we have 10k+ one. Why? One, we are homeowners. Two, my sister is in college . Three, my mom is sick.
We calculated based of our monthly expensive for a year in case we don't have income. We add our left over money from checks to our fund.
l o this made me tear up, what a beautiful family unit you have. Best of luck as you navigate this time, it will bring you all even closer x
Dave also says it's flexible based on your situation. If you listen to his show, he tells freelancers or people in more precarious work situations to plan for more set aside. 1000$ is a safe EF for some, but for many it's not. Ultimately you're the best judge of what you need to feel safe.
thank you for your honesty! Life is hard! You are so transparent, and it is refreshing! I am also so glad that Luke is ok!
Thank you for being so transparent. Makes me feel human and just REAL
furnishing a new place is a want not a need... that can wait
I agree Aja, I think $1000.00 is a great start, but many personal finance "gurus" suggest that once you get your high-interest debt paid off, you should have (at least) 3 months worth of living expenses for an emergency fund. Although I agree with that (as well), I think you make a great point, as in, "you know your life the best" For instance, I know (unfortunately) that my Nana will be passing away soon, so I have $1000.00 set aside for an emergency flight. I think you need to look at your entire life (not just potentially losing your job), but other things (like pet, sick family member, etc) that you know you CAN plan for, and then have additional funds set aside for stuff you can't see coming (like car repairs that you didn't budget for, etc.). Great point Aja! Although Dave Ramsay has some great points, you really need to look at what will work best for you, and your needs.
$1,000 never felt safe to me. I have always been a saver but I suspect most Americans are not and are living paycheck to paycheck with literally noooo savings which is why Dave starts there. I followed DR to become debt free but made it my own. Xoxoxo love your content.
You're a great example to other pet owners. I have a pet care channel and find that I have needed £200+ for even a small pet such as a hamster.
Totally agree with you about having much more than $1000. It's great you learnt from the first time round and have put it into practise only 2 years later. It can really suck to have to spend that much but you should be very proud and grateful that you have been able to pay that money up front. I always find it helpful to write in a gratitude app when I have times like this 'I am grateful that my pet is well and I was able to pay £... up front'
I love these videos :)
I like your hair :DD
That being said, my mom has always told me that I should have at least $10,000 in my emergency fund when I'm a young adult (and when I don't have like mortgage, car, etc am just a young college student) while everyone have different needs and things, this amount of money is just enough for some cases when my mom suddenly gets ill and needs to be hospitalized, or some bad happening occurred, etc.
I thought I was the only one that felt this way. I get maybe strictly saving the $1000 before paying anything off, but I definitely think it needs to continuously be built through the debt snowball process. Built to what makes sense for the person.
Aja, you have come a long way ! Give yourself the credit . Everything will fall in place it may not seem like that at the moment , but in a year when you look back you will be surprised how much you accomplished . Good luck girl .
I'm so sad that the vets didn't apologize or compensate you in any way. Obviously you agreed to open up your dog because of their experienced & knowledgable suggestion. I 100% agree with you about the $1000 emergency fund. It very much depends on the economy of the area you live in and each person's situation. For most of the country, I feel like $1000 is inaccurate/very low. I'd never feel comfortable living with my husband and my dog on just an $1000 e-fund. After paying off debt, my goal is to have 6-12 months living expenses saved up so if anything were to happen, I could focus on things outside of financial stress.
I actually plan on emailing them to see if they can refund me since they not only diagnosed him wrong but opened him up, which could've killed him bc of the incorrect diagnoses.
I started with $1000, and every pay check I put in $30. Whenever I work OT I periodically add $20 or $50 or $100, whatever feels right at the time. Now its almost $1.8K. It works well for me, but I live pretty modestly as is.
Thanks for the update, totally agree regarding emergency funds!
I totally agree with you about this. You are such an amazing dog momma, and Luke is lucky to have you! I hope his recovery is swift and he’s back to his old self soon!
Aja, you've inspired me to strive harder for myself. Thank you! 😊
Total side note: can we get a makeup and hair tutorial for this look?? Also where did you get your shirt??
I second this. I've been looking for that shirt everywhere since watching this lol
First time on your channel and this has got to be one of the most REAL financial freedom vids I have ever seen! Thanks for sharing 🌸
During my debt free journey i kept at least 1 months net pay as my “mini” emergency fund and then start to attack my debt.... i now keep that 1 months pay as a buffer in my checking... I save a set amount every month and Everything that i can save after my expenses I also put toward my 12 month emergency fund ( 3-6 months doesn’t given me the sense of security that i need)
Im a private duty nurse for special needs kids and sometimes they go into the hospital for months at a time... I’ve had parents randomly decide they were going on vacation with the child so there goes my pay check... so having that buffer and a larger emergency fund means no worries regardless of what is thrown my way
My emergency fund is $500 for all sushi I want to eat.
Lol that is goals girl, now I want some damn sushi
I could NOT agree more with you! We had $1k in our EF when we were slapped with a $3k vet bill for a pet emergency... It is NOT realistic for my family to only have $1k saved while trying to tackle a LARGE pile of debt. We are aiming for AT LEAST $5k for our EF now.
I'd like to thank you a million times over for being real on what actual adult life is like.
I really want to have a dog and its so important to realize how much it actually costs because sooner or later, they ALWAYS get injured or sick. Thank you for this reminder!
$1000 is definitely just a practice savings goal. Not a full emergency fund. Everyone needs to listen to their gut like you did and calculate what would make them more comfortable and be able to sleep at night without worrying. It is way better to prepare for the worst. Thank you for this video!
Love you and your transparency! Thank you so much!
Awww your dog is adorbs, he's just listening to you so intently. The D.R. $1000 emergency fund is just a starter, he actually prefers you have at least 6 months of living expenses. But you're right, $1k isn't much these days. You've worked so hard girl, when I first started watching you, you had like $100k I believe and now look at you 😀 you can do this!
First, i hope your dogs feels better now.
I so agree with you that $1000 is not enough. I have a separate emergency fund for myself, my parents and my pets. I am aiming for 6 months expenses for our emergency fund and at least $10,000 for my pets as i have a friend who paid $7k for her dog's gastro problems. I have a male cat and a female large breed dog which makes me want to prepare more as based on my experience they are prone to certain illnesses that I am not 100%sure the pet insurance we have will pay for.
I just love Luke turned and looked at you when you mentioned his name.
Nice shirt and your hair looks fantastic. Your financial discussion makes your glamour even more realistic. That being said... I noticed that your dogs' emergency fund and your emergency fund are the same amount. You're a great dog mom for loving your dogs as much as yourself. You also had enough in your emergency fund to react positively to unforeseen issues and have options. That is definitely a plus. In terms of the amount in your emergency fund, maybe set aside a monthly amount and just let it grow rather than looking for a specific number.
that's my starting emergency fund until I'm debt free. After that, I'll build my emergency fund to 6 month worth of expenses. Anything after that is excessive so I prefer a specific number in my EF.
Makes sense. I’m self employed and my clients take anywhere from 2 weeks to 9 months to pay so I have 6-12 months in my emergency funds. The critical bit is to have enough funds to have options. You do a great job in making that point and making it relatable to your fans. I’m especially interested in your blunt honesty about your financial management style. Admirable.
girl, you are killing it! You're going to knock that out so soon. I've been watching from the beginning of your student debt journey--you inspired name to pay off mine I'm so excited for the day you wipe it all out!!
Sooooooo excited for the podcast!!!!!!!! 😍😍😍❤
It’s great that you talk about debt in an individualistic way that needs to be personal to someone’s needs!
Ya know verbally they say $1k over and over, but in his books he does concede and say $1.5k is ok for single income, homeowner’s etc. Why he doesn’t change this or no one mentions it, idk.
The small amount of the BS1 EF is SUPPOSED to make you nervous. He doesn’t want you to feel safe. Feeling safe slows down BS2.
I did stick to $1k BS1 EF, even though I am a homeowner and single income. It worked for me. i had small emergencies throughout and each time I had to build that $1k back up, it killed me, but I was soooo ready to be done!!! Just finished BS3!! 🎉 So now that I have 6 months of expenses saved, I can finally breathe. You’re not supposed to be able to breathe during BS2 and BS3.
But we all have our ways we don’t follow Ramsey 100%. I always contributed up to my match on my 401(k). Never stopped that completely. And I have not closed a single credit card. I don’t have the riches to float around in life without a credit score. I don’t want to limit my options and that is exactly what happens without a credit score and no wealth.
... but your hair is ON POINT, girl! Everything's alright.
And, BTW, I have 6 months' of expenses as my "emergency" fund. 3 months just didn't feel safe enough for me. It took me so long to save up for that but it truly feels like a security blanket. Great video as always!
Glad to hear that your family is okay!
Excited for the podcast! I understand the life stress and being over on the budget. I had overseen tuition expenses that thankfully I could pay without additional loans.
Thank you for showing yhe real Thing!! someTimes i geT so sTressed ouT over my finances ThaT iT feels hard To breaThe and i applaud you for showing us!!!
Aja, check out the book "America's Cheapest Family Gets You Right On the Money." In it they talk about how, overtime, they have built up 5 emergency funds. I only remember emergency home repairs, emergency car repair, emergency travel (since they moved thousands of miles away from family), emergency medical, and one more I can't remember now. I'm working on building a 6 month emergency fund right now but eventually I'd like to get to that 5 (or however many) seperate funds level. I'm trying to convince my fiancee to have an emergency fund for his cats but we'll see how that goes.
wow - interesting idea. I think that might be more my style as well since I work better with my money when it's split up into sections I can understand.
I have a separate emergency fund for my cat in addition to my 3+ months expenses emergency fund. Her picture is the icon on the account so I'm never tempted to dip into it!
I related to this video so freaking much🌟Last year I decided to pay off my debt/start paying back my student loan. The inconsistent income from freelancing wasn’t going to cut it, so I got a job on my birthday last year and spent 8 months working my a** off working full time, freelancing and taking on every project that came my way. I paid off my credit card debt of almost 5k in the fall and quit my job to freelance full time again. Exactly one year after I was hired on my birthday (January 22nd✨) my 2 year old cat had kidney failure. I had to come up with 4K on the spot. My cat usually costs about $35/month so this was a huge shock and I’m still recovering. I know the struggle of freelance income and the fear of huge expenses coming out of nowhere. Thank you for this video it’s so nice to know others a going through similar challenges💛
#BirthdayTwins!! Congrats on paying off the 5k and I'm so sorry to hear about your cat. Best of luck on your continued freelancing.
pmensah thank you🌟yay Aquarius!
You’re doing a great job Aja!
$1000 is a good starting point, but it is nowhere near enough to cover a real emergency. I had appendicitis this year and was out of work for almost a month. I agreed with you that you should save enough where you feel comfortable. I am able to cover my medical expenses and not have to stress. I will be putting money back into my emergency fund.
To be fair: Dave Ramsey preached it in the 1980's. In today's dollars, that's $3,000.
You paid $5,000 five years ago, which is about $6,000 in 2022.
Hang in there Aja!!! You inspire us!!!!
Word!! Well said!👏🏽👏🏽👏🏽
Pet insurance is a scam. Doesn't cover anything really - check your plan to see what yours covers. You would likely do better to just put whatever you pay monthly in insurance into your emergency savings fund.
Thanks Aja! I also agree to put aside the emergency fund that makes sense for your specific lifestyle. That's what my husband and I have been doing and just like you, 1k did not cover it, and we had enough set aside to cover it. I appreciate you addressing this!
Hi! I’ve been meaning to send you a message! My husband and I are following the Dave Ramsey plan as well. Not to a T, but we literally sold our home and are budgeting to pay off $170k in loans! We have 65k left. Boy it’s been a journey. But I can’t wait for your monthly videos as they’re so motivating! Plus I love all your other videos. I can’t wait to see when you pay off your loans!! You’re so closeeee!!!!What are your plans afterwords? What will you do to treat yourself?? I could never have $1k emergency fund either. I feel like we’d need at least 5k, even for peace of mind. THANKS! ♥️♥️♥️
I love that you made this video. 1,000 is NOT enough. I don't make a lot compared to some but for my area I am doing okay. I will be saving up an emergency fund of 6,000, then pay off my car, then turn the emergency fund to 15k. I like some of Dave's advice but I am definitely against some such as the small $1,000 fund.
Thank you for being honest.. even with money. Appreciations are due.
These last few months alone I have seen that $1,000 emergency fund isn’t enough especially with multiple emergencies. In April our Dryer died & we had water issues, in May our fridge died. The fridge cost $700 after delivery alone. Thankfully I have a reasonable for my life emergency fund.
11k in my emergency fund
I was in Spain this week and saw your NYX campaign there! 😀
I totally agree with you on $1000 not being enough. Though I do have a general $1000 emergency fund, I also have started a car emergency fund and I'm starting my 6 month fund too. I'm currently in bs 2 but also bs 3 just in case.
The EF is STEP 1...to getting debt free. The key is to move onto STEP 2. In STEP 2, you're in a sell-sh*t-fast mode. Everything goes Netflix, restaurants, downsize your apartment; be intense with income growth..throw it ALL in the debt. It doesn't look like thats what you're doing. With a 5K EM for your dogs, you've jumped to STEP 3/4.
Like first; watch later. Love you Aja!
Doggie sleeping so peacefully in the back is soooo freaking cute.
This video is so important!!!
I totally agree $1000 just won’t do! I was injured September 2018 and my workmen’s compensation claim was denied. Having a 15,000 set aside supplemented my income shortage thankfully. Your right we all have our own threshold of comfort. My new goal upon return to work is to save 30% of my pay no matter what! Great job tackling those student loans, keep up the good work.
Gosh so glad he is okay but that’s so awful that you all had to go through that. ❤️
I agree Aja, I always felt like 1K wasn't enough but Dave sort of has this "I KNOW EVERYTHING ABOUT MONEY AND MY WAY IS THE ONLY RIGHT WAY CUZ I'M A GAZILLIONAIRE" authority, so many of us just go along and defer to his expertise. I get his reasoning but sometimes it doesn't make sense for certain individuals. Side note: Your hair is BOMB!!
I appreciate your HONESTY like no other. I don't think $1000 is enough either, but it certainly helps you to build that muscle habit of saving. $1000 is tough to save when you are living pay check to pay check, so I understand why Dave Ramsey suggests it. However, I do believe after sometime once you have learned to save $1000 then you should add to it. Otherwise you're going to have to keep rebuilding the emergency fund EVERY SINGLE TIME you have an emergency. I also love your other video where you talked about having a savings because you do freelance work. I really believe your approach to paying off your debt is very wise and practical. I wish we heard from more people like you. LOVE LOVE LOVE your content.
Consider Healthy Paws pet insurance. It saved me when my rescue dog needed ACL surgery.
Is Lukey a shih tzu x Bichon? My Chaika pup looked just like him. We had to put him to sleep because of stage iv prostate cancer last month (he was 10) and it still breaks my heart. Your boys look just like my Chaika. I’m glad you were able to provide the care Luke needed and all turned out well in the end for him. 🐶 💕
Aja how do you recover from your emergency fund being drained? How to save it back up again?
You pause your debt snowball (minimum payments only), focus on saving up your starter EF again, then go back to the snowball and paying off debt.
I think the least amount you should have for your emergency fund is rent/mortgage! Ideally, after debt is paid off, it should be 3 months of living expenses.
Living in SF tho, it's gonna be like 10k 🙃
Question: Has paying off your student loans lowered your credit score? I ask b/c student loans are often among our oldest debt and closing those accounts reduces the length of our credit history. I was surprised to learn this when I paid my student loans off earlier this year.
$1,000 is way too little, I agree! I have $3,000 in my emergency fund while I’m becoming debt-free, which seems like a great amount considering we have a pretty low cost of living right now with no rent or mortgage. We’re 2 adults and 1 cat. Maybe I should also get pet insurance for my cat!
I got that £1000 put away fast and it was spent just as quickly once a minor emergency came up. Still it's a good manageable start, although my difficulty is every month something significant comes up which takes me away from paying the main debts I have, it's very frustrating.
But Dave has said that the first step can be adjusted to your individual needs. It's more about discipline and saving $1,000 quickly. Most Americans cant afford a $400 emergency. I respectfully disagree because Dave isn't trying to micro manage or minimize people's lives. He's saying $1,000 is the bear minimum some people need to do to get a fast win on their financial journey.
100% agree on that 1000 is not enough in this day and age
Our AC unit went out last month and thankfully our emergency fund saved us but it was definitely more than $1000 needless to say we are grateful we had it...
5000$ for a dog is absolutely insane. I will not be buying a dog until i'm financially stable.
Taylor S good idea. But also adopt 🐕
@@AjaDang Of course!
Would love to see a video of budget-friendly meals!!
Glad your pup is ok! I would be pissed that they misread that x-ray. Seems like they could have did something to confirm blockage before doing a surgery.
Thank you for this! I follow him too but always build my emergency and savings accounts. My emergency fund is 3-6 months of living expenses which is WAY more than $1K
doesnt dave recoomend starting out w 1000 dollars but then later having 3-6 months of expenses saved up?
Analyn Marx yes but after you’re debt free
he does after paying off debt! but some people have so much debt it can be scary to wait so many years to build that fund!
Analyn Marx yea but the 3-6 months emergency fund comes after you get out of debt. To me that isn’t feasible. Saving 3-6 month of emergency fund should come first or at least in tandem with getting out of debt.
well your hair looks amazing so congrats on that
haha thanks babe. That's always a win.
You are doing amazing Aja!!! We are all excited for December to roll around, so we can hear your debt free scream!!! :)
Yeah I have student loan and credit card debt. I try to follow Dave Ramsey but I’ve always thought 1k during your debt free journey was bogus. I’m in the process of paying down my debt but I’m definitely putting more than 1k in my emergency fund. Thank God you listened to your gut and saved more than 1k. I’m not a full follower of Dave Ramsey, because like you said I’m doing what works for me! Great video! ❤️
You ARE debt-free by the end of this year ❤️❤️❤️
Please don't get stressed out. The same thing happened to me, my beautiful dog got sick and I did not even had 1 dollar!!!! We had to use my moms cc and we are now paying interest... So I'm really proud of you for being prepared, for having an insurance for your babies (are you checking now what it includes? My family's dog passed away a few months ago and the fucking insurance my aunt payed for months did not cover anything related to the place were we will bury him or anything like that, it just added to the pain) Anyways you're my financial role model and I truly wish to see you bright and happy as on previous videos.... YOU KNOW YOU CAN DO IT! 😁🇨🇴✌🏻
3 months of the bare minimum of what you need to survive and pay the minimums. 6 months should always be the goal. My current goal is 10k and my bills are 1500 monthly.
WTHISTHISCRAP01 $1,500,000 monthly bills?!!!??!! Lollll just kidding. That’s an awesome goal!
Lynn Ly lmao I was gonna write 1k but I just bought a car 🤪
WTHISTHISCRAP01 congrats! 😊
I personally cannot decide upon a set number, instead I save a certain percentage of my income in an emergency fund so that it keeps on growing. And if I should ever feel like it is big enough I can just stop saving. It feels sooo much more secure for me that way ❤️💰
Wow, that's such a nightmare! I'm glad your dog is ok, but going under surgery for no reason is such nightmare
But where is your top from? I couldn’t focus, it looks so good!
it's an old one from Good American
I totally agree that for many of us $1k isn’t enough of a cushion while working on babystep 2. I own a house, have 4 fur babies and one of our cars is no longer in warranty. Anything can happen and most likely it’s gonna cost more than $1k. I’m sorry your baby had unnecessary surgery, but I’m happy he’s going to be ok.
if it's the vet's fault that they thought your dog needed surgery, shouldn't they offer at least a partial refund for the unnecessary surgery they made you pay for? that seems so unfair
it is unfair and I've been told by many people I could demand a refund and threaten legal action but I don't want that action to harm my dogs down the road as the hospital I went to is still the only specialty hospital in LA proper. I got most of my money back from the doggy insurance. But now I'm going to different types of vets to see what can be done to prevent this from happening again
I'm sorry it's off your important topic, but how do you lighten the ends of your hair?
Question...is an emergency fund the same as a savings account?
Melissa Lengyel Technically yes. He (Dave Ramsey) doesn’t believe in putting money aside while you are paying off your debt( step 2). So he encourages putting money aside before you start paying off the debt.( Step 1, save $1000). It should be easily accessible, so if your bank’s saving account policy is to wait days to access the funds, I wouldn’t keep it there. I personally keep mine in a separate checking account.