Too Cool For School

[RawrImAMonster]

One thing that has bee touched on here several times but is worth reiterating, have an emergency fund that you add to, but don’t touch. The recent government shutdown brought some surprises to my eyes about how unprepared some people are. Talkthing with a few coworkers, and even a few in management, they didn’t have the funds to survive more than a couple weeks without a paycheck; and, some of them were two income households with one of them being a non-government employee. We have a 9 month rainy day fund if both of us were out and, with just Sams income we could weather a shutdown event for around 18 months before we had to make some hard decisions. The piece of mind knowing you will be ok if the worst happens goes a long way. Plus, that fund can help you in the case of a catastrophic car failure or home repair need. Obviously, don’t expect to have that sort of cushion right out of the gate, but make a financial safety net a priority along with your 401k.

Trying so dang hard at this, it's so difficult. Well, honestly its not, its mostly patience and I don't have that. I had done really well towards the end of last year and it was well worth it. But what is the best change is I've grown to be excited watching the emergency savings grow, the bigger it gets, the more comfortable I feel for sure. I'm more willing to spend less for the sake of saving these days, now if only time would move faster... or if I'd get paid more lol

Don't you worry.  Time already feels like it moves faster every year and I just hit 30.