I was sitting on my balcony with a laptop, running math and thinking about emergency funds. My goal was to put my emergency fund into a high yield savings account (HYSA). I had hours blocked off in my head before I even opened a browser. In my mind, this meant researching banks first that had…
I was already investing $400 a month and it wasn’t enough. But I wanted to do more. The problem was I couldn’t find where the extra money would come from. I had a budget and I was following it. I still couldn’t figure out where the money was going. I sat with my bank statements…
Early morning, my phone rang. A call from a mechanic talking about my car’s transmission. Once I heard “transmission” I already pictured a big payment. I mostly skipped the explanation until he reached the number, $2,500. I had $4,500 in my savings account, two months of expenses. I figured that was enough to start with….