LET IT SNOW

iVillage Member
Registered: 06-02-2009
LET IT SNOW
2
Sun, 09-13-2009 - 9:17am

Lila
iVillage Member
Registered: 07-02-2008
In reply to: lilady2009
Sun, 09-13-2009 - 5:47pm

Far from an expert here.....

My two cents would be that until you get a fully funded efund (I would shoot for $1,000 if I were you) that you split all flakes in half until its funded.

$250 to efund
$250 to c/c

If you have kids then you are well aware that $400 doesn't go far. What if the car breaks down and the bill is $500? Or what if one of the kids needs something MAJOR and that's $200? That leaves your $400 efund depleted in half. Just a thought.

I am like you - if I have cash - I will spend. I transfer all extra money into savings which I can't access unless I go TO the bank which is a PIA with two little ones. If you worry about selling yourself short til payday make sure you have extra in efund in CASE something happens.

You are doing great - $500 to flake is a ton of money!

iVillage Member
Registered: 08-04-2008
In reply to: lilady2009
Mon, 09-14-2009 - 12:02pm

My thinking may be different than most but what helped me finally get to the other side, was to get a written budget in place and at least get $500 in an emergency fund so