Do you have Emergency Money?

Yeah thanks we are surviving, My boys are too young to get a job my oldest just started kindegarten this year. I feel bad for the families whose soul provider has lost there job and they have no income coming in or only unemployment, which here in florida that doesn't pay much.

I think unemployment doesn't pay much anywhere the bank I work for the all government checks go through us.. I see many many unemployment checks many of them no bigger then 100 most of the time some might be close to 150. I remember one lady I guess she had a. Real good job she comes in now and then and hers was like 500 plus. So yeah she is getting paid. Haha.. Well yeah I wish you the best of luck , yeah I agree Thayer at happen to my father he lost his job and he lost his home, now he is living with my older sister.. So yeah.. I'm trying to help him as best as I can. :)

Hey frog, Sorry to hear that, I'm sure things will get better over here the cheapest milk is at rite aid for 3.50 and gas is about the same gas must be very high over therre and milk. Wow. Right now me and my boyfriend both work and are working hard to get things done. Bills but I feel bless to say that we doing very good. Just pray I know times are hard. Have faith everything will work out believe me. If all 4 of you get a job all of you will do great even with minimum wage.

I admire your handwork, I wish you the best and all the success in the world. I'm sure one day you will be bill free or even half the bills are gone. Right now I'm going to purchase a home soon I'm making sure and looking at the new built homes that would mean less repairs and less money coming from my pocket lol. It does seem like we work to pay bills sometimes or most of the time. So yeah, can't wait for the great things in my life to happen. Eventually I will have some type of emergency money, getting it started can be hard and keeping it in there can be hard as well haha.. Well yeah good luck to you and keep up the hard work.

Thank you I need all the luck I can get it's hard to find a home that you will love. As I was told it's a buyers market not a sellers so I need to buy something good so later in time it will sell fast haha.. thanks.. Again.

Thank you and good luck to you too! Owning rather than renting is definitely the way to go - Good luck with buying your home!

I like the sound of it. What does CD stand for, by the way?

Hey Choybel, Well that's good that you try and believe me your not alone and I know at feeling seems like a lot of the money earn seems to be on bills then on the little things and then it's gone, so yeah.. Not much we can do I guess I would recommend you to use your money you make online as a savings. Or put it in a CD and doing so will allow you. To build interest you won't be able to touch the money for years to come. But, you will have money once the grace period hits. Just an recommendation.

Yes uh huh, the interest helps as well. Adds some cents or dollars depending on the amount..

Hey that girl I'll give you thumbs up it's hard to save up money always base on the persons situation but we all I have to remember that, saving money takes time. And the interest on the account takes time. So yeah our main focus for anyone is to have something in the savings. That's changeling for most people. Even for me sometimes so keep up e great job believe me every little bit counts. And im working hard to build up our savings. Even my lot money helps

Thanks a lot. And yes every small money counts. Coz after all money is money and they do add up at the end :)

Hey, very well said, I know a savings accoun is easily dip into and can be withdraw from. I think that's why some people get a CD account or a IRA and add money little by little into the account and so since those accounts can't be touch for years it has a high interest rate and by the time it comes to that time the money would be more then enough, Getting a house build from ground up is expensive but is probably worth it in the end. But right now.. I'm planning to just buy and once that is more then half done I'll purchase more homes and put them for rent. So I can have endless income flow. Well good income flow.

Wow! That is a good plan out there. Good passive income can be earned through property rentals, plus the value of property increases through time making your investments in the future better. Buying and selling property can also a good money generator.

Hey dia, Yeah I'm thinking about going to college in the fall of next year im about to purchase home and I want to do what I love and I want to do what I know what I would love which is to become an architect. So right now I'm working hard making money saving money and once I get done purchasing my home first home, won't be my last haha. I would then buy a new car then go to school means my partner have good jobs but I want to do something I would love with my life

Hi payout. Its a good thing that you are working towards you goals in life. Going back to college and gaining knowledge is a good way of upgrading oneself. That is what i'm doing right now after working for a few years. Its a secure for our future. Sure enough,the more knowledge and experience you have, the more ways for you to earn your income. Eventually,it could go for further upgrading of knowledge,buy a house and also save for future emergency uses. :)

Yeah I agree that when it comes to purchase a home you need to have emergency money rather then getting equity loan which is more money because it's just a loan and needs to be paid off. so yeah I'm only 19 I have to get started ASAP.. Haha. Life is short

Haha reading this is making me laugh lol , I think a lot of people even my self has done that before haha. Thatswhy I sometimes I recommend a CD account. You won't be able to touch till the years are up haha.. And once that happens you have a 10 grace period at least at my job you do and you decided to keep adding money take out money. Or continue your progress for another xxx amount of years . Helps and is a start the interest is Good.

Hey cowgirl, I know what account you are talking about well what bank you are talking about the $1 transfer I agree it can be a good yet a bad thing my sister and my aunt bank with the same bank my dad banks with another bank and I bank with the bank I work for haha.. Funny everyone is everywhere.. I have three accounts Spend Acct (money that goes in out) does not build interest until 2k or greater Reserve Acct (Short term savings) it's a interest checking account for short term savings like buying a bike Growth Acct (Long term savings) does build good interest and is a interest savings account good for long term savings like a car. We call this account the Virtual Wallet 3 accounts in one helps your save your money. Budget and it gives your a high definition view of your money. Give you a calendar of your payday bills going out and shows your money that you can actual spend call free money. Extra money. Also you can budget and and get emails / text msg when you are close to a budget or when a large purchase was done base on the limit and the amount you set. Gives your a wish list and you can add money for that wish. And it will show you how close you are to finishing and getting ready to purchase it once your hit e price amount. Great account. That's just the regular virtual wallet, they have ther performance which I have. A lot of benefits comes with that account. I think that's the only reason why I'm able to save up money. Well yeah I wish you the best of luck and try your best to save money

Hey dodo, I understand completely, you both must have a lot on your plate but don't worry I'm sure once everything is done and you guys get done every you need to get done and want to get done. I'm sure you both will start to save up fast believe me. Ours goes up and down that was because of the big purchases we have been making lately first it will be a few thousand then bam back down. Same thing right now have a couple thousand and about to buy a home and it will go down but I'm sure it will shot right back up. But we need to keep it steady.. At a avg amount.

Correct, To me we all should have emergency money some might have more then ores but even the little helps when it comes to a emergency. If we all save up and have a emergency money we will feel more safe about a situation and less stress out. right now I know times are hard but, I have a whole container filled with pennies and I'm sure I have 15-20 dollars worth in there haha.. So yeah I'll wait till it hits the top haha.. It's not even 1/4 filled that's the crazy part haha.. So even the little helps

You got that right, right now I'm just savings up pennies and waiting till it hits the top haha.. I probably have 15-20 dollars worth of pennies and @ my job some lady exchange over 100 dollars in pennies. So yeah hopefully I get that may hahaha.. I'm sure I can just keep adding more and more. Lol.. Well yeah $5 or $2 or $10 what ever ever little counts and I'm sure many people from my lot knows that, lol. We make small amounts but it builds up lol. I got my paypal link with my savings account so I can just transfer it right now

Hahaha.. Hey if they did that would mean no one will know what savings are. Well the generation to come won't haha.. They will probably call checking as a savings account and a new account called quick pocket haha..

Hey neza, Money seems to come in one hand and goes to another and it just continues. Im happy to say, that I'm able to save I know sometimes it can be hard but believe me saving is easier said then done. But yeah I recommend that everyone try to save even a little,

I understand what you are coming from and believe me I know times are hard and you know I know that. In the end we all I have to face the fact. Paying bills that's something we all I have to deal with for as long as we live. @ my job I hear that all the time. Being upset isn't going to help and wishing bad things on people isn't going to help either. So we laugh. When you know you are not alone in a situation makes your feel like you have someone that understands you and talking about it does help. So yeah me losing my Job that won't happen... I know that I'm praying to be promoted soon. God gave me this job I know that for a fact. So he gave it and he can take it away. But I'm where I am for a reason. For anyone to say they have something someone else doesn't have that is what I call a blessing. So consider yourself bless because Thats what I consider myself. Overall bless. Prayers do change things. Believe me

Hey neildc, I understand you completely, See people that have really good jobs, tend to make the whole situation bills and everything fit there income. Yes they will have better things but in the end when it comes to having emergency money seems like they are in the situation of almost every one. Right now I'm going to purchase a home soon. Saving money is a must. I know I got a better job way better then my last job, the only thing. Is that I decided to focus on my needs before my wants so right now everything is the same. So I didn't upgrade l. Anything. I won't want to fit my income. I want to widen the boarders and allow my income to build because if I made it with my other job less pay and now I got a better pay. It will allow me to save money. I just cant repeat the steps of rich people. Having there bills and etc fit there income. Overall.. I would recommend even a small amount is a start to having a good clean savings/ emergency money I wish you the best of luck. And same with me. Lol..

That's awesome, that you have emergency money let a lone vacation money that's good. I do agree with you that it's hard to save and budget your money now and days. I have a bank account that allows me to see where my money is going to. How much do I spend on gas and food and on restaurants. Then I can set a budget and it will xome to my phone like a email. And it will warn me if I'm close and I can see all my months of budgeting and see if I progress or not. So yeah budgeting your money is a big us especially if you want to become a big saver

Hey Toni, You are right are right, if we try hard enough and even if it's a little small amount of money either it will increase and you will be able to build some type of money. Emergency account IS always good to have you will never know when a emergency will happen. Believe me hahaha. Well yeah everything is getting better and I'm just taking things one day at a time and praying askingGod for strength and it has been working. So far so good. thanks for asking haha.

Hey cow boy, what ever fits your needs and meets your standards. Emergency money is always good to have

Lol, okay, right now I save over 3k for a car got the car now I'm saving over 2k for the house. I'll get free money and a down payment. It would be my first home it can range from 5k - 15k that I'll go to my savings all if not most of it haha.. With my interest savings account if I leave it in there for a year 10k I'll bring 1k every year with interest alone. So yeah sounds like. Plan I'm sure.

It's hard to save money especially now since prices are going up on almost everything and it seems like everything is getting.. Hrder but, believe me when you need money bad for a emergency that's why it's call emergency money it's always good to have something beUse getting a loan can bring someone into debt. I try to avoid those.. The only loan I can think of is a pre approval loan for a house or a car. Other then that i won't try it.. I have mycreidt card but I use the. To build credit so... Not much to have money on the side anyway. It's always better to have a savings account