Don't have an Emergency Fund? Let's support each other and get on a savings plan!

[Whispered]

I'm starting to wake up... I'm on a very,very llimited income..
I do want to have an ef.. now confession, i've never made a budget, ...
in my life.. ever.
I admit, to feeling sorry for myself.. i do,.. yet, i also admit, to feeling incredibly blessed, bc.. tho on disability.. i do have a regular income, coming in and thats a lot these days.
I don't have any cc, horrible credit history, that i doubt can ever fix..
(from very stupid little stuff.. and i think i owe like under 2,000, which is nothing. compared to most people).

Right now, i'm just trying to figure out how to pay for my cats meds, and my food.and maybe something to keep warm!...and get thru this month..and the next few. I'm trying to keep the electric on.. from the summer's ac bill.. and payment plans, for my cat.
So, sigh, in the hope no one is reading, lol, I can not pledge any money, at this time, but..i will work on a budget and start figuring out, .. being more aware, of what i am actually spending all my money on.
It feels depressing, but i'm hoping it'll be freeing and give myself a huge goal.. to save better..
I feel like i'm at confession or a metting!
thks for any who listened :) and understood.

[jenrose]

I'm starting to wake up... I'm on a very,very llimited income..
I do want to have an ef.. now confession, i've never made a budget, ...
in my life.. ever.
I admit, to feeling sorry for myself.. i do,.. yet, i also admit, to feeling incredibly blessed, bc.. tho on disability.. i do have a regular income, coming in and thats a lot these days.
I don't have any cc, horrible credit history, that i doubt can ever fix..
(from very stupid little stuff.. and i think i owe like under 2,000, which is nothing. compared to most people).

Right now, i'm just trying to figure out how to pay for my cats meds, and my food.and maybe something to keep warm!...and get thru this month..and the next few. I'm trying to keep the electric on.. from the summer's ac bill.. and payment plans, for my cat.
So, sigh, in the hope no one is reading, lol, I can not pledge any money, at this time, but..i will work on a budget and start figuring out, .. being more aware, of what i am actually spending all my money on.
It feels depressing, but i'm hoping it'll be freeing and give myself a huge goal.. to save better..
I feel like i'm at confession or a metting!
thks for any who listened :) and understood.

That is step one. To realize you need to get a better handle on the money going out so you can keep more of the money that comes in. Once you figure out where ALL your money is going then you can figure out how to make more of your money stay with you.

We are here for you!

[gatosqueak]

Start at $20 a month. We currently have $1,000 in savings.

[MamaBird06]

not sure where my old thread is but it has been a while.

Currently dh and i have decided to have one months expenses in an EF fund or essentially live 1 month ahead, so we need 4000$ in savings, so far we have 645/4000$, dh is going to put about 300$ into the checking for the remainder of the bills/expenses for january and everything else he gets will be going straight to savings. Hoping we get this done by then end of the month!

[uummm]

We did not have a good few months....we blew through about $4000 of our emergency fund of $12000 which was 4 months of expenses-and heck no they were not emergencies...We are back to our budget (like everyone else seems to be at this time of year)...Now if I can hold to my part of the budget...grocery fund...I got a $100 raise but STILL want to SPEND SPEND SPEND (they are all great deals though!). $500 for the month and I think I have already spent half of it and it is the 8th!

All our tax money is going into the EF!