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Old 10th July 2013, 10:02 PM   #1 (permalink)
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Do you have an emergency fund?

Do you have money put aside in case of an emergency? Are you pretty good about not using that money unless a real emergency arises?

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Old 24th August 2013, 04:42 AM   #2 (permalink)
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Re: Do you have an emergency fund?

Yes, I do. I'm actually quite strict about the money. I have another pool of money set aside for semi-emergency, so the emergency money is quite untouchable.

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Old 24th August 2013, 08:19 AM   #3 (permalink)
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Re: Do you have an emergency fund?

I have an emergency fund and I am pretty good about not touching it. I don't like the feeling of insecurity I have when that fund is low and I remind myself of that whenever I get tempted.

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Old 24th August 2013, 09:15 AM   #4 (permalink)
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Re: Do you have an emergency fund?

Same...
For myself, I have a personal account for own bills (like HP, Internet etc) and spendings...
Another Fixed Deposit account mainly for savings (No ATM card, no bank book) - Monthly auto transfer a sum of $ form my personal account to this account
Another Joint Account for groceries, home bills

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Old 5th December 2013, 01:44 PM   #5 (permalink)
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Re: Do you have an emergency fund?

Yes I always keep safety money with me for facing the financial circumstances if any!

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Old 5th December 2013, 02:01 PM   #6 (permalink)
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Re: Do you have an emergency fund?

There should always be emergency funds kept just in case. I always put up some funds with every pay check and build it for when I really need it. It is better for me to have it on hand then depend on a bank to keep it safe.

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Old 5th December 2013, 02:49 PM   #7 (permalink)
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Re: Do you have an emergency fund?

Yes, I do. I save about 25% of what I earn in each month into the emergency fund. It's essential to have emergency fund because I would never know what will happen in life in the long run. I don't ever use it unless it's emergency because that's what I have planned. I have another saving for other things as well, which I usually save about 10% of what's left after the emergency fund and paying all my bills.

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Old 5th December 2013, 05:26 PM   #8 (permalink)
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Re: Do you have an emergency fund?

I don't know and I'm quite bad with money. I just buy things as I want them. I have recently started to try and save, but then I booked a bunch of holidays for next year. I just use my overdraft if I need emergency money.

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Old 6th December 2013, 04:41 AM   #9 (permalink)
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Re: Do you have an emergency fund?

I think it is important to have an emergency fund when you have your own house or you have children. I have neither, I rent my apartment. However I do believe in savings. It is so important to save money, it gives you the opportunity to do so many things, like buy a house or to travel the world. Last year I moved to Turkey and I have struggled to find a job, because I had money saved up it allowed me to continue to be able to live out here.

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Old 6th December 2013, 01:41 PM   #10 (permalink)
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Re: Do you have an emergency fund?

Yes I do have leave about $1000 for emergency funds

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Old 6th December 2013, 03:10 PM   #11 (permalink)
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Re: Do you have an emergency fund?

I save most of my money and don't have any real expenses so I guess I always have an emergency fund going, you never know whats going to pop up though so its always good to have some savings aside.

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Old 28th January 2014, 11:07 PM   #12 (permalink)
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Re: Do you have an emergency fund?

I have various savings accounts and investments. Some of it I can dip into if an emergency arises and some of it is locked in for the long term. I like having access to some of my money, but I think it's a good idea to keep the rest of it out of reach so temptation isn't an option.

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Old 30th January 2014, 03:51 AM   #13 (permalink)
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Re: Do you have an emergency fund?

We don't have any savings at all right now, because we have had to use it due to short paychecks. Hopefully we will be able to get our savings built back up soon.

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Old 30th January 2014, 11:32 AM   #14 (permalink)
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Re: Do you have an emergency fund?

emergency money is a must have. but if you treat this money as a saving for future usage after retirement den this is not a wise choice. u need to find a passive income.

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