2013 Emergency Fund Paper Thankful 
Family Balance Sheet
MAY 6, 2020
Our emergency fund. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. Storm #2: 2013.
Family Balance Sheet
JUNE 22, 2020
Everything looked great on paper. By the summer of 2013, we found ourselves in a pickle–we had too much debt and not enough cash flow. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund.
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