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Learning To Budget – Simple Ways To Start Savings

We are happy to partner with brightpeak Financial and The Motherhood on this post. savings-challenge
Emergencies happen to families all the time. We have cars, children, pets, a house, something is bound to happen and yet I was shocked to discover that so many Americans are struggling with less than $400 in an Emergency Fund. Most families don’t budget for unexpected expenses  that’s why it’s so important to have a savings.

Did you know that approximately 62% of Americans have less than $1,000 in their savings accounts? All of this according to a new survey by Google Consumer Survey for BankingRates.com. These facts make one thing clear it is more import than ever to have an emergency fund of at least $1000 to cover minor emergencies (like if your car breaks down) so you don’t have to rely on your credit cards. Credit cards have a lot of hidden fees associated so it’s best to have the cash in savings for these minor emergencies.

I am the worst at spending, I can easily send our family budget over the top. That’s why I wanted to take the brightpeak $500 Savings Challengebright peak savings challenge

bright peak Financial helped me establish the type of savings account our family needed and how to set it up. We signed up and right away received the first emails to help us jumpstart our savings and start to add to our savings account. Each day I received a new savings challenge to help me add to my savings, we decided to set aside $50 a month and also find other ways to add to our savings.

How I Found Success & Savings

I decided to start setting aside a small amount each month for savings. We’re still fresh with student loan debts from college so I wanted to keep it manageable with $50 a month to our savings account. I also use the tools form the challenges and was able to find other savings.

  • Saved $40 a week by making my own tea at home and not going to my favorite coffee store.
  • Sold unused dance wear in a Facebook group for $130
  • Saved $50 by using coupon and savings at the grocery store
  • Cut back on cable bill to save $30 a month.
  • Saved $75 by not eating out for a week.

We’ve been using the tools we used with the brightpeak $500 Savings Challenge and not only are we generating an emergency fund but we’re also saving and being more aware of our spending habits. Sign up today and start your savings.

Signing Up for the $500 Savings Challenge is as easy as: – Visiting the website to sign up.

Does your family have an emergency fund and a plan for savings? 

Giveaway!

To jumpstart your savings we have a $25 VISA gift card to give away!

a Rafflecopter giveaway

180 Comments

  1. heather c on September 29, 2016 at 8:52 pm

    Our savings account could cover quite a few emergencies, and yes, we save at least $200 a paycheck, minimum, without including work-related retirement savings.



  2. Janice B on September 29, 2016 at 8:40 pm

    I am a single mom and do not have a huge income so unfortunately I do not have the means to have an emergency fund.



  3. Kristen on September 29, 2016 at 8:39 pm

    Yes, we do.



  4. Sand on September 29, 2016 at 8:31 pm

    Yes, we have an emergency budget. Sometimes we have to dig into it but always put the money back as soon as its available.



  5. Buddy Garrett on September 29, 2016 at 8:24 pm

    No we don’t



  6. Leah Shumack on September 29, 2016 at 8:15 pm

    I was outta work for 3 months due to a dislocated shoulder so I spent my emergency fund. I’m slowly working to get one back!



  7. Rajee Pandi on September 29, 2016 at 7:54 pm

    We have small emergency fund



  8. Tosha H on September 29, 2016 at 7:37 pm

    Unfortunately no, we don’t have any money to save = /



  9. Jerry Marquardt on September 29, 2016 at 7:20 pm

    I try to make sure that I have at least $1000 savings in addition to all the reserve minimums needed to keep the savings and checking fee-less.



  10. Seyma Shabbir on September 29, 2016 at 7:09 pm

    Yes we always have an emergency fund! You never know when something happens and you need to pay for medical, car payments etc.



  11. BRYAN E. on September 29, 2016 at 6:55 pm

    We have an emergency fund and a savings plan…wish we could save more !



  12. Sharon Braswell on September 29, 2016 at 6:09 pm

    I have had an emergency fund in the past and it definitely needs replenishing now! Thanks for the good tips to help me make that possible!



  13. AEKZ2 on September 29, 2016 at 6:08 pm

    Yes, we have an emergency fund. We save by having money directly taken out of our paycheck.



  14. Kimberly Benton on September 29, 2016 at 5:44 pm

    Unfortunately no which is really scary. Living paycheck to paycheck.



  15. Candie L on September 29, 2016 at 4:56 pm

    We have $25 a week put in an emergency fund. But sadly we have to use it more often than we would like. Thank you



  16. claudia davis on September 29, 2016 at 4:12 pm

    Honestly, my family no longer has an emergency fund because of a few things that came up this year but we are trying to start saving again to build it up. We truly are planning to set aside a small % of income in the future for our savings.



  17. Dorothy Hubbard on September 29, 2016 at 3:53 pm

    I do not have a fund, but I know I must start.



  18. Sarah J. on September 29, 2016 at 3:10 pm

    We should but honestly we do not.



  19. Yona Williams on September 29, 2016 at 3:07 pm

    We do not currently have an emergency fund – we really need to start one.



  20. Amy Deeter on September 29, 2016 at 2:06 pm

    Yes we have an emergency fund and a plan for savings



  21. vicki lorenz on September 29, 2016 at 1:53 pm

    We have a very small savings and live paycheck to paycheck.



  22. Susan Smith on September 29, 2016 at 1:52 pm

    We have a certain amount from our checks deposited into our savings account.



  23. Janine H on September 29, 2016 at 12:55 pm

    I do have a good amount of savings, and investments. I’m a saver not a spender!



  24. Tara Woods on September 29, 2016 at 12:49 pm

    We do not have an emergency fund set up, but I try to save whenever I can.



  25. Sarah Hall on September 29, 2016 at 12:40 pm

    We do have an emergency fund but sometimes it gets very low when you have a lot of things go wrong.



  26. Breanne on September 29, 2016 at 12:25 pm

    We do have an emergency fund.



  27. Bridgett Wilbur on September 29, 2016 at 11:40 am

    We don’t , we live pay check to pay check at the moment.



  28. Sarah Mayer on September 29, 2016 at 10:06 am

    Yes, we do have an emergency fund for those emergency moments.



  29. Amy Smeltzer on September 29, 2016 at 10:03 am

    No, I live paycheck to paycheck but I wish I could save



  30. DJ on September 29, 2016 at 9:57 am

    We do finally have an emergency fund that we just started this year. It feels good to know that we have a little something saved. We hope to do much better next year.



  31. Elizabeth Ray on September 29, 2016 at 9:19 am

    We have been saving all our lives. (This includes plans for emergencies, which we have had to use on occasion.) Now that retirement is approaching, we are so thankful for our frugality.



  32. Shannon on September 29, 2016 at 9:14 am

    I have savings but nothing I call an emergency fund. I just try to save as much as I can, no specific plan at the moment.



  33. Breanna Pollard on September 29, 2016 at 8:31 am

    THANKFULLY, WE A BLESSED WITH A SAVINGS.



  34. Vicki D. on September 29, 2016 at 8:04 am

    We are retired now. Through our working years, we always put our tax refund in the bank. That gave us a nice nest egg to use in case of an emergency.



  35. Philip Lawrence on September 29, 2016 at 7:41 am

    I’ve had a plan for savings and an emergency plan my whole life.



  36. Cassandra on September 29, 2016 at 7:29 am

    Yes, we have an emergency fund and savings plan.



  37. jjudyfl on September 29, 2016 at 7:25 am

    Yes, but it could be better



  38. Kathy Pease on September 29, 2016 at 6:08 am

    Yes we have an emergency fund. My husband has a portion of his pay check put in savings weekly



  39. Kelley Foulk on September 29, 2016 at 5:35 am

    yes we have a savings account just for emergancys



  40. Lynne T on September 29, 2016 at 5:18 am

    I always have an emergency fund for small emergency’s (like in the $500 to $1,000 range), but more then that would be a problem.



  41. Tracey byram on September 29, 2016 at 4:40 am

    A big emergency would wipe us out because we have no emergency funds put aside.



  42. Penny Snyder on September 29, 2016 at 4:02 am

    We save money out of each pay check for emergencies!!



  43. Kerry paul on September 29, 2016 at 3:50 am

    Yes we have enough for an emergency but it never feels like enough!



  44. Eugenia Hall on September 28, 2016 at 11:22 pm

    Yes, we have savings and an emergency plan, which in this economy is mandatory considering the number of times someone my husband has worked for has downsized or had layoffs.



  45. elizabeth p on September 28, 2016 at 10:27 pm

    Thankfully we do because my husband just lost his job.



  46. Danielle Wood on September 28, 2016 at 7:25 pm

    We did have an emergency savings, unfortunately it is mostly depleted do to unforeseen events. We will work on rebuilding it so that it’s there in case we face another event. Glad that we had it available.



  47. Carolyn Daley on September 28, 2016 at 6:58 pm

    I used to have an emergency fund set aside, but not anymore due to medical issues.



  48. Vera on September 28, 2016 at 6:55 pm

    We have an emergency fund and add to it on a regular basis.



  49. John H. on September 28, 2016 at 6:50 pm

    We have a little saved.



  50. DanV on September 28, 2016 at 6:41 pm

    We have a small fund



  51. Patricia Mingozzi on September 28, 2016 at 6:40 pm

    Yes we have an emergency fund.



  52. Jennifer H. on September 28, 2016 at 6:39 pm

    Yeah a bit.



  53. Richard Hicks on September 28, 2016 at 6:08 pm

    Yes we do. It has saved our bacon more than once!



  54. Tabathia B on September 28, 2016 at 5:32 pm

    9/28 missing tweet link https://twitter.com/ChelleB36/status/781290432458264577



  55. Tabathia B on September 28, 2016 at 5:31 pm

    No we don’t have a emergency fund in place



  56. Jacquelyn Burns on September 28, 2016 at 4:37 pm

    My family does not have an emergency fund, or a plan for savings?



  57. Brenda Elsner on September 28, 2016 at 3:16 pm

    I live paycheck to paycheck. It is really hard to save when having a tight budget.



  58. Christal M on September 28, 2016 at 12:35 pm

    Yes, we’ve always planned for emergencies.



  59. Ed on September 28, 2016 at 12:20 pm

    There are savings.



  60. Beth Stephens on September 28, 2016 at 11:23 am

    I have a very small savings. It is hard as a single mom to make that happen.



  61. Christina O on September 28, 2016 at 9:46 am

    I try to have an emergency fund, but I keep having emergencies!



  62. DeeAnn on September 28, 2016 at 8:53 am

    I have a small savings set aside. Limited budget doesn’t allow routine saving.



  63. Ty on September 28, 2016 at 5:08 am

    Yes, we do have an emergency fund set up for lots of things, thankfully we haven’t needed it yet.



  64. Melissa on September 28, 2016 at 4:47 am

    YES BUT ITS GETTING HARD TO ADD TO IT!



  65. Keeley Sullivan on September 28, 2016 at 3:33 am

    Yes we do, my family is military and that is one of the things you are taught. Be able to GO.



  66. ronda patrick on September 28, 2016 at 1:30 am

    We normally do, but someone had an injury a month ago. So we are just getting back on our feet. Time to build that fund back up…. Because you never know when you will need it.



  67. Michael Bratek on September 27, 2016 at 9:39 pm

    Unfortunately, there is not enough funds to go around to save, thus we do not have any money to save.



  68. Shannon on September 27, 2016 at 7:51 pm

    We used to have a fund but we’ve had a few emergencies that have depleted it.



  69. Erica B. on September 27, 2016 at 7:28 pm

    We have savings accounts.



  70. Birdiebee on September 27, 2016 at 5:28 pm

    I had an emergency fund until I was diagnosed with cancer and this fund has been depleted due to all of the medical bills.



  71. Leslie Rathbun on September 27, 2016 at 5:03 pm

    We have an emergency fund



  72. Ciara B on September 27, 2016 at 4:19 pm

    Yes, we put some money in savings every pay check



  73. Lisa V. on September 27, 2016 at 2:48 pm

    We sort of have an emergency fund and also have saving plans.



  74. Janice Crespo on September 27, 2016 at 1:19 pm

    This economy is killing us and what savings we had is long gone and it’s really hard to try to build it back up again. We are trying to work on it, but it’s just not happening too easily.



  75. susan smoaks on September 27, 2016 at 12:44 pm

    yes we have a savings account and family budget. we are very strict with our budget.



  76. Daniel M on September 27, 2016 at 12:39 pm

    no it’s impossible to save anything with everything so massively overpriced



  77. Sherry lambing on September 27, 2016 at 12:33 pm

    unfortunately, we do not have an emergency fund, and no savings plan. It’s check to check. It’s a good idea to develop one though. You just never know when you’ll really need it!



  78. McKim on September 27, 2016 at 11:41 am

    No – we have neither unfortunately.



  79. Michael Nicholls on September 26, 2016 at 11:31 pm

    We have no savings fund but i do have a plan in mind for one.



  80. Tiffani P. on September 26, 2016 at 7:14 am

    We currently have an emergency fund but aren’t able to put any into savings right now.



  81. Lori Jackson on September 26, 2016 at 6:37 am

    Thankfully we do have a savings account for emergencies. And thankfully we have not had to use it in awhile.



  82. Thomas Murphy on September 25, 2016 at 8:31 pm

    We do have an emergency fund.



  83. Kristi C on September 25, 2016 at 3:36 am

    We had an emergency fund up until last week when a water line broke and we had to replace the whole line. We try to put aside ten percent of our pay each week.



  84. Denise C on September 24, 2016 at 11:09 pm

    We have an emergency fund, provided it’s not that bad of an emergency!



  85. Stephanie Liske on September 24, 2016 at 6:17 pm

    We currently do not. We are living day to day.



  86. Carol on September 24, 2016 at 4:15 pm

    We have an emergency fund and a plan for savings



  87. Renee Walters on September 24, 2016 at 3:47 pm

    We do not have an emergency fund, which scares me.



  88. Carol-Ann on September 24, 2016 at 12:52 pm

    We have an emergency fund that can cover 6 months of our basic expenses



  89. Linda G. on September 23, 2016 at 5:58 pm

    yes, we have an emergency fund and we do have a savings plan.



  90. Janet Woodling on September 23, 2016 at 1:23 pm

    Yes, we have both.



  91. amanda lea on September 23, 2016 at 3:09 am

    We have an emergency credit card!



  92. Jen R on September 22, 2016 at 10:12 pm

    My family does have a plan for savings and somewhat of an emergency fund but we have room for improvement.



  93. Starla on September 22, 2016 at 7:39 pm

    We definitely do have an emergency fund which of course I find so vital. I think everyone and every home needs at least something- better than nothing and you never know what could happen!



  94. kelly g on September 22, 2016 at 6:42 pm

    No we really don’t/



  95. Sarah L on September 22, 2016 at 5:58 pm

    We have both and emergency fund and two savings accounts.
    Thanks for the contest.



  96. Brittany J Pallaria on September 22, 2016 at 5:44 pm

    Yes, I have an emergency and savings fund.



  97. Tara Darity on September 22, 2016 at 1:43 pm

    We keep a small emergency amount in our savings account.



  98. Kari on September 22, 2016 at 1:35 pm

    We have a small emergency cash fund but I would really like to get a little more prepared in that area.



  99. shelly on September 22, 2016 at 10:35 am

    We have a small emergency fund.



  100. jeremy mclaughlin on September 22, 2016 at 8:52 am

    yes we have an emergency fund.



  101. Rachel on September 21, 2016 at 6:22 pm

    We have some money set aside in case of an emergency.



  102. Will G on September 21, 2016 at 3:03 pm

    We do have an emergency fund!



  103. Kim Keithline on September 21, 2016 at 2:41 pm

    We have been going thru a lot of emergencies in the past year so we have eaten up the emergency fund we had so we need to rebuild it!



  104. Steve Weber on September 21, 2016 at 2:36 pm

    WELL.. let’s just say that I have a back up plan with savings.. my GF.. she needs a little help in that area.



  105. Peggy Johnson on September 21, 2016 at 9:50 am

    Yes, we have an emergency fund and we save specifically for it



  106. Tina J on September 20, 2016 at 10:13 pm

    My boyfriend and I just started an emergency fun last week! We have pets and we would like to be prepared, for them! haha!



  107. Kyl Neusch on September 20, 2016 at 7:29 pm

    we have an emergency fund.



  108. Tarah on September 20, 2016 at 9:05 am

    We have a plan to make a plan. haha. We’ve talked about it and we know we need to do it – but it still hasn’t been done yet.



  109. Lauren on September 20, 2016 at 7:36 am

    Yes, we have an emergency fund and savings plan.



  110. Jacob on September 19, 2016 at 5:55 pm

    We do have an emergency fund. Our plan for saving is to write out a real budget. Every spent dollar is accounted for and we don’t get surprises and can plan better



  111. Charlene S. on September 19, 2016 at 4:49 pm

    Yes, we have some savings, but never enough.



  112. JANICE MURPHY on September 19, 2016 at 2:48 pm

    No we dont , I wish we did



  113. Chrystal D on September 19, 2016 at 1:13 pm

    My only plan is to get my bills paid each month!



  114. Tracie Cooper on September 19, 2016 at 12:19 pm

    Yes we do and we save weekly!



  115. April on September 19, 2016 at 7:33 am

    Yes, we have both funds!



  116. brandy c on September 19, 2016 at 7:14 am

    Yes, we do have both.



  117. Christopher Mason on September 19, 2016 at 6:10 am

    Our daughter being smart is our savings plan.



  118. Tina W on September 18, 2016 at 11:45 pm

    Between a few unexpected car repairs and some health issues, our emergency fund is gone, gone, gone.
    Christmas will be a frugal handmade affair this year.



  119. Brittney House on September 18, 2016 at 7:35 pm

    We do have a fund for “just in case”.



  120. Heather Hayes Panjon on September 18, 2016 at 6:46 pm

    We Do Have Some Savings, We Are Working To Make Cuts To Be Able To Save More.



  121. Melissa Smith on September 18, 2016 at 5:52 pm

    yes to both!



  122. Dawn Monroe on September 18, 2016 at 5:48 pm

    We do but I admit we should do better with it.



  123. kim Miller on September 18, 2016 at 5:33 pm

    no. I’/d like to, but no extra cash.



  124. shelly peterson on September 18, 2016 at 4:33 pm

    I do not have an emergency fund or a plan for savings.



  125. Mary Cloud on September 18, 2016 at 4:17 pm

    We do have an emergency fund – many times I wish it were more though



  126. Natalie on September 18, 2016 at 3:54 pm

    We do not have an emergency fund but I am depositing $ into my retirement account. If It comes down to it, I could use that money.



  127. Margaret Porter on September 18, 2016 at 3:49 pm

    We have an emergency savings account



  128. Sarah Hayes on September 18, 2016 at 3:39 pm

    yea we have a plan for savings



  129. Leigh Anne Borders on September 18, 2016 at 3:20 pm

    We have an emergency fund that we deposit into on a regular basis.



  130. Lasonda on September 18, 2016 at 2:45 pm

    Yes, we have both.



  131. Linda Lansford on September 18, 2016 at 12:31 pm

    Yes we have an emergency fund and a plan for savings.



  132. Elena on September 18, 2016 at 12:20 pm

    we have an emergency fund and a savings plan



  133. Cheryl B on September 18, 2016 at 11:37 am

    We have an emergency fund along with a savings programs.



  134. Denise B. on September 18, 2016 at 11:07 am

    No, we do not have an emergency fund and cannot contribute to a savings right now because of a certain ongoing situation in our life.



  135. Robin M on September 18, 2016 at 10:58 am

    We have a fund that gets raided every time the car breaks down.



  136. Allison S. on September 18, 2016 at 10:51 am

    I do like to put as much into savings as I can manage.



  137. maureen on September 18, 2016 at 9:17 am

    Yes. Because shortly after we got married I was diagnosed with a serious health issue so we are always sure to have set something aside.



  138. Debbi Wellenstein on September 18, 2016 at 8:44 am

    Yes, we have both.



  139. Joseph Stowell on September 18, 2016 at 8:15 am

    It is wise to keep an emergency fund consisting of 3-months of earned income. A budget is always wise. If you are living from paycheck to paycheck, you should pay cash for everything because you can easily keep track of how much cash you have on hand. If you use a checkbook, you need to keep the balance up to day or you may overdraft. Using a credit card is very dangerous because it is easy to build up a large debt.



  140. Julie Wood on September 18, 2016 at 8:04 am

    We have an emergency fund, and a plan for savings.



  141. Angela Kinder on September 18, 2016 at 7:46 am

    We currently don’t have an emergency fund due to my sister getting a rare eye condition, but we do have a savings plan.



  142. mami2jcn on September 18, 2016 at 7:35 am

    Yes, my husband has a savings plan.



  143. Janet W. on September 18, 2016 at 5:33 am

    Yes, we have an emergency and savings fund that we don’t touch. You never know what might happen down the road.



  144. Lisa Brown on September 18, 2016 at 5:21 am

    we have a bit for emergencies, not enough though.



  145. Jeanne Rousseau on September 17, 2016 at 11:21 pm

    We have a small fund but could definitely have a bigger one.



  146. Serena Powell on September 17, 2016 at 9:44 pm

    Unfortunately, due to financial setbacks, we don’t have one.



  147. Kiara on September 17, 2016 at 9:35 pm

    We do not have an emergency fund but I plan on starting one.



  148. HS on September 17, 2016 at 6:55 pm

    We have an emergency fund and a plan for savings.



  149. nickie on September 17, 2016 at 6:44 pm

    Yes we have both



  150. Donna L on September 17, 2016 at 6:06 pm

    Yes, we have both.



  151. heather s on September 17, 2016 at 4:09 pm

    Yes we have a fund but it is hard not to dip into it



  152. Amber on September 17, 2016 at 4:00 pm

    Yes, we have a savings fund that would get us through 6 months of no income.



  153. Amanda P on September 17, 2016 at 3:04 pm

    Yes we have an emergency fund and a savings plan!



  154. tricia Maldonado on September 17, 2016 at 3:02 pm

    I really wish we could. We are working on paying off some stuff so that this is an option for us.



  155. Barbara Montag on September 17, 2016 at 2:55 pm

    We have a certain amount from our checks deposited into a special savings account.
    thank you



  156. Billie R on September 17, 2016 at 2:50 pm

    No, but it is something that we should establish.



  157. Julia Barnes on September 17, 2016 at 2:04 pm

    We follow Dave Ramsey’s plan. We have $1000 emergency fund and we are paying off a car quickly.



  158. paige chandler on September 17, 2016 at 1:28 pm

    Yes we do. We are organized and prepared.



  159. patricia skinner on September 17, 2016 at 12:09 pm

    We have a plan for savings and we have a small emergency fund that we need to add more savings towards.



  160. Michelle Hill on September 17, 2016 at 11:08 am

    We do but I doubt it is enough to get us through a major upset. I need to plan something better.



  161. Elizabeth on September 17, 2016 at 11:02 am

    We had a small fund, but an emergency recently came up and it’s now depleted.



  162. Peter G on September 17, 2016 at 10:41 am

    Not as much as I would have liked.



  163. Sandy Klocinski on September 17, 2016 at 10:10 am

    I do have sufficient funds for an emergency. Being retired and on a fixed income it is harder to save money than it used to be. Hopefully my funds will last as long as I do!



  164. Charlotte Winters on September 17, 2016 at 10:02 am

    No. I wish we did.



  165. peter gladue on September 17, 2016 at 10:02 am

    I ‘m on Disability, and live check to check , I try to save up a little by the end of the month



  166. Adrienne on September 17, 2016 at 9:28 am

    We are working on this within our budget.



  167. Lonnie Hutchinson on September 17, 2016 at 9:24 am

    We have an emergency fund and we are working on our savings



  168. diane on September 17, 2016 at 8:52 am

    Have a extra savings acct to put in a little money in every month



  169. Connie Tucker on September 17, 2016 at 8:29 am

    Yes we have an emergency fund, but no real savings plan other than we are careful with our spending.



  170. Kristie on September 17, 2016 at 7:38 am

    We have an emergency fund and a savings plan in place.



  171. carolyn on September 17, 2016 at 6:09 am

    Yes but Dental bills are killing it.



  172. Ashley C on September 17, 2016 at 5:48 am

    We do have an emergency fund and our savings plan is just to put away as much money as we can each month.



  173. Amy Pratt on September 17, 2016 at 4:42 am

    I have a savings plan and put money away regularly.



  174. Tari Lawson on September 17, 2016 at 4:24 am

    Yes, we have an emergency fund. We are working on a savings plan.



  175. harolde on September 16, 2016 at 10:10 pm

    Yes, we have an emergency fund and are always trying to save anyway we can.



  176. Susan Christy on September 16, 2016 at 7:49 pm

    Yes – most of the time. I seem to have a lot of emergencies and have to replenish.



  177. Margaret Smith on September 16, 2016 at 4:51 pm

    We have a small fund, but lately we’ve been digging into it for some unexpected costs. I really need to try to rebuild it.



  178. Denise Sachs on September 16, 2016 at 3:24 pm

    We have a fund, but it needs to be bigger.



  179. Stephanie Phelps on September 16, 2016 at 2:41 pm

    We do not have an emergency fund and no plan to save! Just is not in the budget til we pay off some things!



  180. Adrienne Gordon on September 16, 2016 at 2:35 pm

    we have a fudn and we put away savings monthly.