Be realistic when you calculate the amount needed in your emergency fund for monthly living expenses. Don’t factor in the lattes.
Sit down and list what you really need. Dave Ramsey calls them the four walls: Food, Utilities, Housing, and Transportation.
Cable, booze, cigarettes, concert tickets, internet, and clothes shouldn't be on the list.
Get real. If you're in emergency mode, you aren't eating out.
More Debt Management
Sit down and list what you really need. Dave Ramsey calls them the four walls: Food, Utilities, Housing, and Transportation.
Cable, booze, cigarettes, concert tickets, internet, and clothes shouldn't be on the list.
Get real. If you're in emergency mode, you aren't eating out.
More Debt Management
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