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“In our lives, we all go through ‘times of famine’, whether it’s a layoff, lengthy illness, large financial loss, etc. , we need to be prepared and save up while we can. It will allow us to better cope during tough times and, in some cases, to survive.” –Dave Ramsey Financial Peace University
I use money I save by being frugal for my emergency fund. If I get cash back on my credit card, that goes into the emergency account. If I use my points to get a discount or something free, I add the discount or cost of whatever it is to my emergency account. Not only is it like building an emergency fund for free, but it's a great way to keep me motivated to look for discounts and savings. Plus it's there when my car or dishwasher breaks down! Kara from Dollar Stretcher
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In case of an emergency, you need to have enough food saved up and stored in your pantry. Meals in a Jar includes numerous recipes for ready-made meals that can be eaten if you’re stuck in your home for a few days or weeks. The long shelf life of these recipes make them perfect for disaster preparation.
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QUOTES:
Stocking Your Emergency Kit: One way to stock an emergency kit is through BOGOF sales. When you buy one item and get another free, or even half off, put one of those into your emergency kit. Use a waterproof marker to write the expiration date on the item, and remember to check your stock periodically, and rotate with your pantry stock as needed. A good list of recommended supplies can be found at Ready.gov. I suggest packing zip-top storage bags, too, as they are useful for so many things. Building an emergency kit feels much more manageable when it's done over time rather than all at once. You might even be lucky enough to find one of those big plastic storage boxes on sale to store your items. Bonnie from Dollar Stretcher Financial Independence
Document Emergency Prep: I live in an area of CA that's prone to wildfires and we've had to evacuate three times over the past 20 years. What I've done is to digitize all our photos (the ones that were from film/negatives) and stored the digital images on DVDs and/or flash drives. It's a good idea to scan all the important documents, including ID, birth certificates, insurance papers, address book/contacts, etc. and put them in a fireproof safe, also. It makes a quick evacuation a bit simpler, rather than chasing after paper files when every minute counts. Also, I created an evacuation checklist of what items need to be grabbed and where they are located. The checklist is in a red file folder in the front of the file cabinet. Anonymous from Dollar Stretcher Tips
Finding Money for An Emergency Fund: My goal is to one day have a 6-month emergency fund. But since money is very tight, I felt like I couldn't ever have enough left over to save it. It occurred to me that in my budget, there are variable spending items, such as groceries or the electric bill, water, etc. I do my budget on a "guesstimate" of what these bills will cost, but usually there will be a few dollars left over — $12 one week, $15 the next, change left from my grocery budget and so on. Now I am putting that leftover money in a separate savings account, and it's starting to add up. I always hear people say they just don't have any money left to save, but that isn't always true. Even if it's just a few dollars a week, it's something. And over time, it will become my emergency fund. Julie from Dollar Stretcher Tips
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