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Re-building the EF

December 10th, 2008 at 07:18 pm

Although I have been trying really hard to avoid the financial news these last few weeks, my DH takes it upon himself to remind me that 1.5 MILLION jobs were lost over the last 3 months! Yuck. My patients keep reminding me with all their economic talk as well, so I am glad to be putting my whole paycheck from job #2 toward the EF. Last time I grew my EF I decided that $5,000 was a good EF. These days I am leaning toward building it a bit larger since I have been forced to think about possible job loss. We'll see how I feel once the EF is back to $5,000.

Job #2 Paycheck plus ones place and change from Job #1 paycheck added to EF (rounded up): $251.00

EF TOTAL @ 12/10/08: $2,497.53
Halfway to the $5,000 mark again! Hooray!

4 Responses to “Re-building the EF”

  1. merch Says:

    Nice job.

  2. mom-sense Says:

    Good job!

  3. scfr Says:

    Hooray indeed!

  4. Amber Says:

    Good for you Smile

  5. Dave Says:

    Hello - I commented on one of your older posts, but if you don't mind, I am re-posting the comment here in hopes of getting a response. It pertains to HEALTH INSURANCE:::
    Hello all - I am between a rock and a hard place. My health insurance premium is going up to $343 next month (that's per paycheck) - right now my takehome pay is $671 every 2 weeks. I live in New York and have two daughters, 11 and 16. My wife just signed up with HER employer for $30 per paycheck for herself. My employer will pay my full premium! BUT THE KIDS - according to our income, we qualify --- we ARE eligible for Child Health Plus at $20 per month per child - HERE is the CATCH - a six-month waiting period. We want so much to move out of our current apartment and I have a huge bill I need to move out of the way by feb 1st. If we go on CHP and endure the waiting period, our Quality of Life goes up a thousand per cent.

    My friend told me "if something happens you can take the kids to one of the clinics, and since you're no stranger to bankruptcy (did it over a decade ago) if tragedy struck you could go that route later on down the road

    CATCH #2 - New York doesn't allow children to be insured without the parent being on the policy, so that negates e-health etc.

    SHOULD I TAKE THE CHANCE? A commenter to one of your posts i think mentioned that Citigroup owed "gazillions" and they don't care. I can't get a part time job right now and this modest increase in my paycheck would change everything and help our little family SO MUCH (and keep us together, too)

    CAN YOU OR ANY ONE OF YOUR COMMENTERS OFFER SOLID ADVICE AND/OR SUPPORT????? Please! I'll be watching for replies, and Thanks! I feel so torn up right now - have to make a decision within 5 days.

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