1. A Baby Emergency Fund is such a great idea for people who want to start an emergency fund but feel overwhelmed by saving 3-6 months worth of expenses. I am returning to work after being at home for 6 years (all on my hubby’s teaching salary). We’ve totally drained our Emergency Fund and that is our #1 priority to replenish when I get my first paycheck. It is hard to save for at times but I am so glad we’ve always had one!!

  2. I love this article. I actually closed my local bank accounts and opened a Capital One checking and savings. Without the fees it works so much better. Fun thing is now they are starting to open up their own small branches haha.

  3. My husband and I are sticklers for having an emergency fund. We mentally have to know we have at the very minimum- 2 months worth of $ for every bill for the month! It is such a great piece of mind if, one of us ever lost our job, we’d have a back up. This was extremely important when I ended up going on emergency bed rest with my pregnancy this post summer/ fall. I was on bed rest for 13 weeks and then out for another 13 after I had her. Luckily, I had short and long term disability, but, our emergency fund was a godsend! We still had a great Christmas and didn’t struggle through bills. It took no time to build it back up once I got back to work too!

    • Lori McRitchie

      Thank you! I am amazed too and I think we have to get over the shame we feel when we talk about our money!

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