Comments on: HELP! I Had To Use My Emergency Fund! http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/ Motivational Money Management Wed, 08 Feb 2012 06:09:15 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Brad Chaffee http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/#comment-8441 Brad Chaffee Mon, 01 Nov 2010 01:36:53 +0000 http://www.enemyofdebt.com/?p=540#comment-8441 I generally only buy gifts for the kids in the family with exception to our parents, and even then the gifts are nothing fancy. I would TOTALLY re-gift those gifts this year. LOL I generally only buy gifts for the kids in the family with exception to our parents, and even then the gifts are nothing fancy. I would TOTALLY re-gift those gifts this year. LOL

]]> By: Kellen http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/#comment-8436 Kellen Sun, 31 Oct 2010 19:14:35 +0000 http://www.enemyofdebt.com/?p=540#comment-8436 I feel like gifts were fun when you are a kid and you desperately want some toy. Giving gifts to grownups is tough though, because I feel like most of us just buy ourselves what we want. Last year, my sister came to visit for Christmas, and then left all the gifts we gave her behind in her old bedroom here. Maybe I'll just box those up again for her this year? I feel like gifts were fun when you are a kid and you desperately want some toy. Giving gifts to grownups is tough though, because I feel like most of us just buy ourselves what we want.

Last year, my sister came to visit for Christmas, and then left all the gifts we gave her behind in her old bedroom here. Maybe I’ll just box those up again for her this year?

]]> By: When You're Tired Of Being Broke, You'll Start Saving http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/#comment-5316 When You're Tired Of Being Broke, You'll Start Saving Fri, 19 Mar 2010 18:26:45 +0000 http://www.enemyofdebt.com/?p=540#comment-5316 [...] HELP! I Had To Use My Emergency Fund! [...] [...] HELP! I Had To Use My Emergency Fund! [...]

]]> By: Brad Chaffee http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/#comment-1968 Brad Chaffee Fri, 17 Jul 2009 03:02:12 +0000 http://www.enemyofdebt.com/?p=540#comment-1968 @Shawanda - I am with ya on the student loan stuff. Those things hang around forever! When we payed off one of the $2,000 ones, it had an expected payoff date of 2018. FOR $2,000!! That is CRAZY! They want you to take that long that's for sure. Good job on saving that 20% for the down payment. Are you going to consider a 15 year fixed rate instead of the 30. I have some numbers that could convince you to. Let me know if you're interested. For now let's just say that you would save a TON of money. I like your style. To be honest with you I think that Christmas has become something that is OUT OF CONTROL! We usually just buy gifts for the children in the family. Wanna know what BUGS me EVERY year Shawanda? Last minute Christmas parties that you're told you need to by a $20 gift without any vote of your own. I love to GIVE GIVE GIVE but I would rather do it on my terms, not because some manager thought everyone should or wanted to participate. LOL I like homemade gifts and spending time with my family. That's the best! Thanks for stopping by and I hope you stick around! @Shawanda – I am with ya on the student loan stuff. Those things hang around forever! When we payed off one of the $2,000 ones, it had an expected payoff date of 2018. FOR $2,000!! That is CRAZY! They want you to take that long that’s for sure.

Good job on saving that 20% for the down payment. Are you going to consider a 15 year fixed rate instead of the 30. I have some numbers that could convince you to. Let me know if you’re interested. For now let’s just say that you would save a TON of money.

I like your style. To be honest with you I think that Christmas has become something that is OUT OF CONTROL! We usually just buy gifts for the children in the family. Wanna know what BUGS me EVERY year Shawanda? Last minute Christmas parties that you’re told you need to by a $20 gift without any vote of your own. I love to GIVE GIVE GIVE but I would rather do it on my terms, not because some manager thought everyone should or wanted to participate. LOL I like homemade gifts and spending time with my family. That’s the best!

Thanks for stopping by and I hope you stick around!

]]> By: Shawanda http://www.enemyofdebt.com/2009/07/help-i-had-to-use-my-emergency-fund/#comment-1965 Shawanda Thu, 16 Jul 2009 23:50:12 +0000 http://www.enemyofdebt.com/?p=540#comment-1965 Heard about your work over at Budgets Are Sexy. I love Dave Ramsey. Until I started listening to his podcast I was dead set on paying off my student loans in 2020. That gazelle intensity stuff works. People thought I was crazy. I guess I'm in between baby steps 3 and 4: saving up a 20% down payment for a house. My employer doesn't match 401(k) contributions. Any way...emergency funds, sinking funds, love them all. I don't have to worry about setting up a sinking fund for Christmas, birthdays, etc. I've expressed to family and friends that they won't be receiving any gifts from me. Not because I can't afford it, but because I have more important things to spend my money on...ME. Just kidding - kind of. They know I love 'em. :) Heard about your work over at Budgets Are Sexy. I love Dave Ramsey. Until I started listening to his podcast I was dead set on paying off my student loans in 2020. That gazelle intensity stuff works. People thought I was crazy.

I guess I’m in between baby steps 3 and 4: saving up a 20% down payment for a house. My employer doesn’t match 401(k) contributions.

Any way…emergency funds, sinking funds, love them all. I don’t have to worry about setting up a sinking fund for Christmas, birthdays, etc. I’ve expressed to family and friends that they won’t be receiving any gifts from me. Not because I can’t afford it, but because I have more important things to spend my money on…ME. Just kidding – kind of. They know I love ‘em. :)

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