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Why An Emergency Fund Is A Must-Have

March 1, 2019 By Thinking of Someday

Emergencies tend to happen when we least expect them. After all, isn’t that part of what makes something an emergency? However, only 40% of Americans can cover an unexpected $1000 expense with money they have saved. Given this, you would think that having even a small emergency fund would be a must-have. Most people know they should have something in savings, but they might not truly realize what it is and the importance of having one.

What’s An Emergency Fund?

An emergency fund is money that is set aside in a savings account to cover unexpected expenses. Unexpected expenses could include things like:

  • major unexpected car repairs
  • an ER visit
  • emergency dental work
  • appliance repair or replacement
  • job loss

An emergency fund is not to be confused with a sinking fund, which is money that you set aside for expenses that you know are coming up, for example, minor car repairs. You don’t want to get in the habit of pulling money from your emergency fund for expenses that you should be saving up for anyways. Why? Because when an emergency occurs you run the risk of not having enough money to cover the emergency.

There are two different types of emergency funds that we have utilized:

  1. Mini Emergency Fund
  2. 6+ Months Emergency Fund

Mini Emergency Fund

We had a mini emergency fund when we were getting out of debt. The point of the mini emergency fund is so you don’t risk accruing more debt by using a credit card or taking out a loan when something unexpected happens.

How much should a mini emergency fund be? At least $1000. We started with $1000, but it didn’t seem like enough, and we didn’t want to have to pause getting out of debt to build up our emergency fund again if we had to use it. So we upped it to between $1500 and $2000. Another option if you do prefer to only have $1000 while getting out of debt is to cash flow any emergencies that come up so that you don’t have to touch your emergency fund and replace it.

6+ Months Emergency Fund

The point of this emergency fund is to save 3 to 6+ months worth of expenses. Why? Just in case something happens like job loss or an extended absence from work that may result in limited or no income.

After we paid off all our debt except for our house, we started to work on saving up our 3 to 6+ months emergency fund. At first, we were fine with saving only 3 months of expenses because the process seemed to be taking forever. However, once we reached that goal we figured we might as well save up for 6 months of expenses. And plus, 3 months worth of expenses didn’t seem like enough if one of us were to lose our job.

We had that amount until recently when after having our second child I (Kim) felt like we should have more money saved. You know… just in case. I wanted to have a year’s worth of expenses saved up, but that task seemed daunting at the time to Omar and even me. So my compromise was to take the money we saved for our master bathroom remodel and transfer it to our emergency fund. This put us at having 9 months worth of expenses saved up… And having to start all over with saving for the bathroom. #AdultingWin I suppose?

What Expenses To Include For The 6 Months Emergency Fund?

Everyone’s expenses may differ some, especially depending on what expenses you choose to include. Here’s what we included in ours to give you an idea…

  • mortgage
  • taxes / insurance
  • alarm system
  • electric / gas / water (estimated $100 for each although our water bill is only $20-$30 per month and the electric and gas bills are opposite of each other depending on the season)
  • cell phone
  • internet
  • groceries
  • gas for both cars
  • car insurance

We then took the total and multiplied it by 6 to get the amount that should be in our 6 months emergency fund.

Where Should An Emergency Fund Be Kept?

Your emergency fund should be kept in a savings account. You should have easy access to the account, but not so easy that you might be tempted to use it for something that’s not an emergency.

We kept our mini emergency fund in our joint savings account.

For a while, we had our 6 months emergency fund in our joint checking account too. But once we decided to refinance to a 15-year mortgage, we chose to go with our credit union as our lender. I wanted to move the money to a different bank because it felt like the old saying of “too many eggs in one basket.” So we moved the money to a money market account at another credit union. This way we would still have easy access to it if the need arose.

However, after some time Omar realized that the interest we were gaining on our emergency fund wasn’t much at all, and he wanted more. The point isn’t to gain interest per se, but if the money is going to be sitting there, then why not? After some research, we decided to move it to Ally, which is an online bank with interest checking and savings accounts. Currently, their rate is 2.20%. It does take a couple of days for the money to transfer. So a good thing to do is keep $2000 or so in your regular savings account just in case you need the money ASAP.

How To Build Up An Emergency Fund

Start with your budget. If you’re not doing a budget, then you need to start. Doing a budget can help you figure out how much money you can save for your mini emergency fund or your 6+ months emergency fund. If you need help getting started with doing a budget, click here.

Set your goal. Decide how much money you’re going to aim to save per month (or per paycheck). No matter how big or small the amount, start somewhere. Saving for your emergency fund is an emergency.

Re-evaluate as needed. Once you start saving, it may go slower or quicker than you expected. After a couple of weeks or months, re-evaluate your budget and your goal to see if there’s any room for improvement. Is there anything you can eliminate from your budget to make the process go faster? Is there any extra money coming in that can be used to make this happen even faster?

Our Experience With Having An Emergency Fund

“Small Scale”: Cars Break

When Kim and I were dating in college she had a late 90’s Honda Accord. It was a great car. It got her to work and to school reliably… for the most part. Just like every other car it required maintenance. I remember several times when Kim would take her car to the mechanic for an oil change and they would tell her she needs something else. Or that time her check engine light came on and she had to get her O2 sensors replaced. Sometimes when one of these events took place she would call me crying asking me how she was going to pay for this. Like most college students she made just enough to squeak by and have a little bit of fun.

I had a decent job working at UPS part-time while going to school full-time and made decent money for a college student that lived at home. I gave her a hand with these costs when I could. These repairs maybe cost $450 dollars at most. Thinking back it amazes me that those events, emotionally, were emergencies! Now we save for car repairs as we know they will be approaching.

“Big Scale”: A HVAC Can Break Too

Holy Crap…our HVAC went out and it was 35 degrees outside. Actually, it was about 35 degrees inside too. This happened towards the end of 2016 just as we were getting ready for our kitchen remodel. Seven years ago this would have been an EMERGENCY. I mean, it still was, but just follow me for a minute. The usual question would be going through my mind, “How are we going to pay for this?” However, this wasn’t a grade A emergency. It was downgraded to an inconvenience. A huge inconvenience, but an inconvenience nonetheless. Why? Because we had our emergency fund.

However, we were faced with a tough decision. Do we go ahead with our kitchen remodel that we’ve been waiting for and saving for and use our emergency fund to cover the HVAC??? Or do we hold off on the kitchen remodel and use the money for our new HVAC system??? Talk about when “adulting” can truly suck.

What did we choose to do? In this case, we chose to not touch our emergency fund and use the money for the kitchen remodel instead. Why? Because we didn’t want to have to pay ourselves back. The bright side of this situation is that we were able to get the HVAC and still get the countertops for the kitchen a month later. Yep, it was a little annoying that we couldn’t get our appliances right away but with our ability to budget and Kim working extra shifts, we were able to replace that $4500 in a few months. I can’t tell you how awesome it is to be in this position and not shed a tear or break a sweat back then (actually it was too cold to sweat lol).

More Money, Smaller Problems?

The thing that we realized is that when you have money, particularly an emergency fund, emergencies don’t cause as much panic. You can look at the situation and make a sound decision. The worst time to make a decision is when you are under intense pressure because it’s more difficult to weigh the cons. This is how people get scammed depending on the situation.

When an emergency comes and you know you can handle it you can focus on doing just that – handling it. Being a grown-up is tough. Sometimes emergencies have the ability to rock you to the core. An example that I’ve discussed before is that a month before Kim was due with our first son, I became very sick. For a while, the doctors didn’t know what was wrong with me and eventually, they thought it was cancer (Lymphoma).

There we were with a newborn, hospital bills for Kim and the baby, and ER and doctors’ bills for me. Talk about being scared and sad beyond belief. You can read more about the story here if you like. Ultimately, it ended up not being Lymphoma although I was still sick for a while.

The one thing we weren’t too worried about at the time was money because we had our 6 months emergency fund and we had life insurance policies for both of us. This allowed us to have one less thing to worry about.

Given a similar situation or medical emergency, having an emergency fund and your finances in order can help allow you to fully focus on your treatment and getting better instead of worrying about your bills AND trying to get better.

Final Thoughts

Emergencies are going to happen. We all know this. Having an emergency fund can make dealing with those emergencies so much easier. It allows you to make clear-headed decisions instead of panicking and doing something that will hurt you in the long run.

Do you have an emergency fund? How has it helped you deal with an emergency? Have you had an emergency and not had an emergency fund? How did the situation work out?

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Filed Under: Personal + Finance Tagged With: emergency fund

See what’s happening on Instagram…

thinkingofsomeday

TL;DR: We didn’t get where we are today without TL;DR: We didn’t get where we are today without being consistent and intentional about our money decisions once we decided enough was enough. And it definitely didn’t happen overnight as you can see from the YEARS on the timeline (12-13 years actually). It was a process and complete mindset shift. Every event that’s listed on the timeline is something that we talked about in depth and came up with a plan to execute when it was necessary.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Timeline Overview:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• started with budgeting (even before marriage)
 •made the decision to lead a debt free lifestyle, starting with our wedding
• paid off all debt
• bought a house that was likely waaaay less then the bank would’ve approved us for
• saved up a 6+ month EF
• started investing again
• when my dad passed we decided to put the money in an inherited IRA instead of cashing it out (probably one of the single best money decisions we’ve ever made next to deciding to budget)
• saved for and almost paid cash for our SUV (we both had coupes when we had our first child; up until he was 1.5)
• over time, cash flowed all of our home updates (and it’s been a lot of them; maybe I’ll share about them one day)
• realized it was best for us to refinance to a 15 year mortgage and eventually pay it off sooner, and even faster by cashing out RSUs
• paid off mortgage and made first contribution to brokerage account the next day
⠀⠀⠀⠀⠀⠀⠀⠀⠀
And that’s it. That’s our financial timeline and how we got to where we are today. Budgeted, calculated, and intentional decisions.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
What’s next? To be continued... #thislifeafterdebt
No long caption. I just wanted to make our last “mortgage principal payoff” calendar update. 😆 It’s been a month and it still feels surreal to us...
On Christmas Eve morning, Omar left out of the bed On Christmas Eve morning, Omar left out of the bedroom saying that he had to go work on something. When he came back he handed me a letter that said:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
“As I sit here on the edge of paying our home off I understand that it isn’t completely about us. Our job is to set the next generation up to do better than us, which makes me think of the generation before me. This final payment would not be possible without [Kim’s dad]. He spent his life working for this money and passed away before he got to use it for himself. We agreed to use that money in a way that would always honor him. So for the past 6 years it has funded our oldest son’s 529 [via the minimum required distribution]. Today, that money has grown enough to pay off our mortgage without touching the initial principal. Today we sever ties to debt forever. Today, we say thank you to [Kim’s dad] for the sacrifices he made and the foundation he laid that made it possible. THANK YOU!!”
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Of course after l finished reading the letter I was like... 🥺😭. Truth be told, I still kind of feel that way. It’s part of why it took so long to share the details of paying off our mortgage. Losing a parent is hard.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Pictured is my dad and I... my favorite picture of of us. He passed away 6 years ago on NYE. He was only 62. After he passed, I found out I was “entitled” to receive part of his pension. Omar and I decided to use some of this money to pay off our mortgage. This is how we were able to pay off most of our $54k balance 7 days into this year.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
This is the short version, but if you want the full details, we wrote a blog post sharing:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• a recap of our initial mortgage payoff plan + payoff journey
• some background info about the pension + how we almost cashed it out when we first found out about it
• the breakdown of the $$ that it took to make this happen + why we did it this way
• how some things didn’t go as planned
• and each of our thoughts in regards to all of this
⠀⠀⠀⠀⠀⠀⠀⠀⠀
You can find the link in our bio.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
“In all that I do, I strive to make my parents proud. I like to think my dad would be damn proud of me... of us, for this one.” Kim #piecesofsomeday
#tbt To last Thursday (1/7/2021) when we became mo #tbt To last Thursday (1/7/2021) when we became mortgage free!! Yes, you read that correctly! We are 100% debt free! Like debt free, debt free. 🤣
⠀⠀⠀⠀⠀⠀⠀⠀⠀
To be honest, it’s been a week and it still doesn’t feel real to us yet. But it was real watching that money disappear from our account and no longer seeing our mortgage balance when we signed into our credit union account. We must say, our credit union works pretty fast! Lol.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
We didn’t even get around to sharing our mortgage payoff goal for the year with one of the little cute pictures explaining how we were going to do it. But here’s a quick recap of the numbers that we were working with...
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• mortgage principal: $54,507.37
• mortgage interest: $35.84
• reconveyance fee: $69.00
• paying off our mortgage... definitely not priceless, but oh so worth it!! 😂🙌🏽
⠀⠀⠀⠀⠀⠀⠀⠀⠀
We’ll share more in depth details soon because you’re probably wondering how we came up with that amount of money 7 days into January. It definitely wasn’t from hitting the lottery! Lol. But until then, just know that...
⠀⠀⠀⠀⠀⠀⠀⠀⠀
WE’RE MORTGAGE FREE!!! #piecesofsomeday
So we took some Christmas / family pictures back i So we took some Christmas / family pictures back in 2020 (as if that was so long ago), but I never got to share them. 😩 So here’s one. I actually like the fact that it’s in front of our house. #piecesofsomeday
⠀⠀⠀⠀⠀⠀⠀⠀⠀
And I also wanted to add that we finally did another blog post after quite some time. Maybe we’re the world’s worst bloggers. 🤷🏽‍♀️🤷🏽‍♂️ But if you’re interested, we’re sharing a recap of quarter 3 and quarter 4 from our mortgage payoff journey. We’re also sharing what our mortgage payoff goal is for 2021. We’re a bit excited about it! You can check it out at the link in our bio.
2020. This has been a year that I’m sure none of 2020. This has been a year that I’m sure none of us will ever forget. While this year has been ok for us for the most part, there are many people that it’s been a really really tough year for. Whether it’s been financially, emotionally, health wise, etc. etc. etc. So here’s to hoping that next year will be much much better, for everyone, but especially for those who had a tough time this year. ✨♥️
We started 2020 off with owning 43% of our house a We started 2020 off with owning 43% of our house and we now own 69% of it. We had paid off 39% of the mortgage loan and we’re finishing the year out at having 66% of it paid off. (These 2 numbers are not the same for us because of our 5% down payment as well as when we refinanced to a 15-year mortgage.) It’s been really exciting to see these numbers increase this year.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
(Annnnnd this concludes our December numbers. I can’t believe I managed to share them all before the end of the year!! 😂)
Q4 was our best quarter by far, mostly due to the Q4 was our best quarter by far, mostly due to the RSUs that we were able to use. However, even if we hadn’t been able to use them, Q4 would have still wrapped up nicely thanks to us still being able to stick to our 70/30 plan.
For December we were able to color in 4 rectangles For December we were able to color in 4 rectangles. This puts our mortgage balance for the end of 2020 at $54,507.37.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• 132 rectangles total
• 88 rectangles colored in
• 44 rectangles to go!!
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Comments

  1. Katricw says

    March 2, 2019 at 8:47 am

    Love this post!!! Thank you for your dedication on posting bimonthly and giving back by using what I like to say “each one teach one” ( I can’t remember where I found that abbreviated quote LOL). I am super proud of you both and looking forward to chatting with you more.

    • Kim says

      March 2, 2019 at 5:16 pm

      Lol. Thanks for your support Katrice! Posting bi-weekly seems to be the sweet spot with our schedule.

  2. Kris says

    March 4, 2019 at 5:29 pm

    When I first got out of debt, one the first things I wanted to build was an emergency account. I realized how important it was to have that extra cushion when I was in-between jobs in my early 20s. I only had about $500 in my account when I quit part time job during college and had close to $5K in credit card debt. Luckily my parents helped me out until I found another job but an emergency fund is vital for your finances.
    Currently I keep my emergency fund in a high yield savings accounts. Just let it sit there, collect some interest and if we need some funds at an emergency situation, we know where to get it.

    • Kim says

      March 7, 2019 at 1:57 pm

      Yep Kris. You’re absolutely right! And it’s nice that you realized that early on in adulthood.

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A married couple making someday a reality all while balancing family + finances + avoiding debt. Find out more about us, here.

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See what’s happening on Instagram

thinkingofsomeday

TL;DR: We didn’t get where we are today without TL;DR: We didn’t get where we are today without being consistent and intentional about our money decisions once we decided enough was enough. And it definitely didn’t happen overnight as you can see from the YEARS on the timeline (12-13 years actually). It was a process and complete mindset shift. Every event that’s listed on the timeline is something that we talked about in depth and came up with a plan to execute when it was necessary.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Timeline Overview:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• started with budgeting (even before marriage)
 •made the decision to lead a debt free lifestyle, starting with our wedding
• paid off all debt
• bought a house that was likely waaaay less then the bank would’ve approved us for
• saved up a 6+ month EF
• started investing again
• when my dad passed we decided to put the money in an inherited IRA instead of cashing it out (probably one of the single best money decisions we’ve ever made next to deciding to budget)
• saved for and almost paid cash for our SUV (we both had coupes when we had our first child; up until he was 1.5)
• over time, cash flowed all of our home updates (and it’s been a lot of them; maybe I’ll share about them one day)
• realized it was best for us to refinance to a 15 year mortgage and eventually pay it off sooner, and even faster by cashing out RSUs
• paid off mortgage and made first contribution to brokerage account the next day
⠀⠀⠀⠀⠀⠀⠀⠀⠀
And that’s it. That’s our financial timeline and how we got to where we are today. Budgeted, calculated, and intentional decisions.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
What’s next? To be continued... #thislifeafterdebt
No long caption. I just wanted to make our last “mortgage principal payoff” calendar update. 😆 It’s been a month and it still feels surreal to us...
On Christmas Eve morning, Omar left out of the bed On Christmas Eve morning, Omar left out of the bedroom saying that he had to go work on something. When he came back he handed me a letter that said:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
“As I sit here on the edge of paying our home off I understand that it isn’t completely about us. Our job is to set the next generation up to do better than us, which makes me think of the generation before me. This final payment would not be possible without [Kim’s dad]. He spent his life working for this money and passed away before he got to use it for himself. We agreed to use that money in a way that would always honor him. So for the past 6 years it has funded our oldest son’s 529 [via the minimum required distribution]. Today, that money has grown enough to pay off our mortgage without touching the initial principal. Today we sever ties to debt forever. Today, we say thank you to [Kim’s dad] for the sacrifices he made and the foundation he laid that made it possible. THANK YOU!!”
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Of course after l finished reading the letter I was like... 🥺😭. Truth be told, I still kind of feel that way. It’s part of why it took so long to share the details of paying off our mortgage. Losing a parent is hard.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Pictured is my dad and I... my favorite picture of of us. He passed away 6 years ago on NYE. He was only 62. After he passed, I found out I was “entitled” to receive part of his pension. Omar and I decided to use some of this money to pay off our mortgage. This is how we were able to pay off most of our $54k balance 7 days into this year.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
This is the short version, but if you want the full details, we wrote a blog post sharing:
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• a recap of our initial mortgage payoff plan + payoff journey
• some background info about the pension + how we almost cashed it out when we first found out about it
• the breakdown of the $$ that it took to make this happen + why we did it this way
• how some things didn’t go as planned
• and each of our thoughts in regards to all of this
⠀⠀⠀⠀⠀⠀⠀⠀⠀
You can find the link in our bio.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
“In all that I do, I strive to make my parents proud. I like to think my dad would be damn proud of me... of us, for this one.” Kim #piecesofsomeday
#tbt To last Thursday (1/7/2021) when we became mo #tbt To last Thursday (1/7/2021) when we became mortgage free!! Yes, you read that correctly! We are 100% debt free! Like debt free, debt free. 🤣
⠀⠀⠀⠀⠀⠀⠀⠀⠀
To be honest, it’s been a week and it still doesn’t feel real to us yet. But it was real watching that money disappear from our account and no longer seeing our mortgage balance when we signed into our credit union account. We must say, our credit union works pretty fast! Lol.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
We didn’t even get around to sharing our mortgage payoff goal for the year with one of the little cute pictures explaining how we were going to do it. But here’s a quick recap of the numbers that we were working with...
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• mortgage principal: $54,507.37
• mortgage interest: $35.84
• reconveyance fee: $69.00
• paying off our mortgage... definitely not priceless, but oh so worth it!! 😂🙌🏽
⠀⠀⠀⠀⠀⠀⠀⠀⠀
We’ll share more in depth details soon because you’re probably wondering how we came up with that amount of money 7 days into January. It definitely wasn’t from hitting the lottery! Lol. But until then, just know that...
⠀⠀⠀⠀⠀⠀⠀⠀⠀
WE’RE MORTGAGE FREE!!! #piecesofsomeday
So we took some Christmas / family pictures back i So we took some Christmas / family pictures back in 2020 (as if that was so long ago), but I never got to share them. 😩 So here’s one. I actually like the fact that it’s in front of our house. #piecesofsomeday
⠀⠀⠀⠀⠀⠀⠀⠀⠀
And I also wanted to add that we finally did another blog post after quite some time. Maybe we’re the world’s worst bloggers. 🤷🏽‍♀️🤷🏽‍♂️ But if you’re interested, we’re sharing a recap of quarter 3 and quarter 4 from our mortgage payoff journey. We’re also sharing what our mortgage payoff goal is for 2021. We’re a bit excited about it! You can check it out at the link in our bio.
2020. This has been a year that I’m sure none of 2020. This has been a year that I’m sure none of us will ever forget. While this year has been ok for us for the most part, there are many people that it’s been a really really tough year for. Whether it’s been financially, emotionally, health wise, etc. etc. etc. So here’s to hoping that next year will be much much better, for everyone, but especially for those who had a tough time this year. ✨♥️
We started 2020 off with owning 43% of our house a We started 2020 off with owning 43% of our house and we now own 69% of it. We had paid off 39% of the mortgage loan and we’re finishing the year out at having 66% of it paid off. (These 2 numbers are not the same for us because of our 5% down payment as well as when we refinanced to a 15-year mortgage.) It’s been really exciting to see these numbers increase this year.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
(Annnnnd this concludes our December numbers. I can’t believe I managed to share them all before the end of the year!! 😂)
Q4 was our best quarter by far, mostly due to the Q4 was our best quarter by far, mostly due to the RSUs that we were able to use. However, even if we hadn’t been able to use them, Q4 would have still wrapped up nicely thanks to us still being able to stick to our 70/30 plan.
For December we were able to color in 4 rectangles For December we were able to color in 4 rectangles. This puts our mortgage balance for the end of 2020 at $54,507.37.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
• 132 rectangles total
• 88 rectangles colored in
• 44 rectangles to go!!
Follow Us

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