Are you often dipping into your savings?

I so know what you mean. We have been living like that for a couple years now. Between losing jobs, floods, schooling and the economy we have used up all savings we had. I get a few dollars a month put away and before we know it something happens and it's all gone again. We have been digging out for so long now it seems as though we will never be financially secure again...

There are times that we are forcing ourselves to sliced the money reserved as savings,because our budget for some expenses was never allotted with the proper reservations,due to the fact that the increases of some commodities actually disturb our preserved budget,that is why we are over spending to the unexpected increases of prices.

Oh it is not just you, that is also happening to us my friend..when you have that savings going on, an event occur that needs money..it is hard but sometimes it is just that way unless you get to earn a lot than you spend..

I fee; that I have to dip into my savingd way too much of the the time, making endd meet is just so hard without savings in this world of ours. I wish it wasn;t so.

I am in the same situation. I have in fact used up all the money I am supposed to set aside for savings. Now, I am left with nothing because we can't help it but use whatever money we have. The economy is that bad.

That happens to all of us mostly when the income is not stable and another thing you have to do if you are a christian don't forget to give a Tenth and church Offerings. that is the overall solution for that problem you will see things changing for the better slowly by slowly

Personally now a days no matter how much a person makes due to the increase in everything like Food, utilities, etc. it seems like it is always hard to save some extra money for the just in case. It seems like every time that we have done this, something comes up to where you have no choice but too use it. It would be nice if we could save up some, but sometimes you just have no choice.

It has been a long time since I had any trouble managing my finances, so I have been able to keep a separate savings account to my current account and leave it alone. I add a small amount to it each payday, which has enabled me to build up a reasonable level of savings and give myself the comfort of a little financial stability. I realise how hard this can be for some people because we all have different circumstances, so I am fully aware that I am quite fortunate to be in this position.

I don't really use my savings on a regular basis. I get paid on the 15th of the month and by the 20th all the bills and the mortgage are taken care of. And I sort of start looking forward to the next paycheck lol. Most of the money I spend is on food and I try not to buy much of anything else. I'm saving up for special mortgage payments that I can make once a year to lower the debt. I can't help it. I hate debts. I suppose that things will change once I have kids and there will be other expenses.

It's really hard to save money especially if you have a lot of bills to pay and then some emergency situation comes up. As for me, I am single and people might think it's easier to save money when you are single. It's harder though. Unfortunately, I am the only one in the family who has a job. I am the bread-winner and so I have to learn to save money as well. Whoooo...

I think it happens to all of us sometimes. I am usually having to go into savings for stupid bills! I hate bills! Lol. But yeah the same thing happened to me, I saved $200 and the cable bill came in at $198.99, go figure, right? I was so mad! So much for that... I will try again next pay check but I am sure something else will come up and ruin it. I am trying to save for Christmas for our kids but it seems every time I put money back another flippin bill comes in to mess it up!!! Good thing my kiddos are grateful for everything they get every year...

No actually I am not, at least I think I am not. With me it works this way. As soon as I have my income I pay automatically for rent, gas, electricity, internet, health insurance, road tax, etc etc.. plus a bit saving for my youngest kids and myself (different account). These saving amounts are not much but at least a bit. All the small coins I put separate for times of "need". This can be celebrations, holidays (buying some food if I am on the road). I also have some envelopes where I try to save for things I might need like: a washingmachine, some extra savings so my 2 youngest can go to highschool in some years, etc. What is left over I use for food and if necessary clothes, shoes, medication etc. It's not much but this way I am able to manage, I do not need to use my savings plus I have a bit aside if something is broke. Ofcourse you can not plan everything (I tried for years) and it's a fact that the unexpected costs are the highest :-(

What savings?? I really dont save alot here. If I have any extra money I buy more to sell in my cafe. I wish I made enough to save. Its hard these days.