tag:blogger.com,1999:blog-17209233.post8372476965923010141..comments2023-09-30T11:58:07.453-04:00Comments on The Frugal Duchess: Recovering My Frugal Groove: How I Sabotaged My Emergency Fund: 5 Mistakes & CuresFrugal Duchesshttp://www.blogger.com/profile/00505138013388396364noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-17209233.post-18184939217875140242009-03-30T10:30:00.000-04:002009-03-30T10:30:00.000-04:00You hit the nail right on the head with this post....You hit the nail right on the head with this post. It's so easy to just skip out on the most important thing - adding to your savings/cutting down on debt.<BR/><BR/>My biggest flaw is the emotional loopholes point. Dang those emotions. If I have a bad day, I let myself go over budget and spend $5 on a coffee. As a result of being lax in this area, I let myself spend more elsewhere. Bad news bears.<BR/><BR/>I think I'll track my spending, too - two months too ambitious for me, though. I'm thinking one week :P<BR/><BR/>Hope to hear your results!Shayna B.http://www.fabudaily.comnoreply@blogger.comtag:blogger.com,1999:blog-17209233.post-47430135780027842372009-03-24T04:15:00.000-04:002009-03-24T04:15:00.000-04:00I always had personal-finance conversations all th...I always had personal-finance conversations all the time? I don't often initiate them, but money seems to be a constant topic, even when people are unaware that I write about it every day.banking dealshttps://www.blogger.com/profile/10432170574871437853noreply@blogger.comtag:blogger.com,1999:blog-17209233.post-155237505908147542009-03-20T18:43:00.000-04:002009-03-20T18:43:00.000-04:00I have this problem as well. I contribute $416.66 ...I have this problem as well. I contribute $416.66 to my Roth IRA every month, and it gets automatically withdrawn from my emergency fund. A few months ago, I had over 4300 dollars in my emergency fund and had built it up pretty quickly. Well, times are a little tougher, and the contributions were still being made but I wasn't supplementing my emergency fund at all. <BR/><BR/>Now, I'm down to $3500. <BR/><BR/>I now realize that I have to separate the accounts so as to not make the emergency fund dedicated to anything but.. well.... emergency funds. ING makes it easy enough to create other accounts for things like Roth contributions or savings goals. And would recommend the same to anyone trying to save up money. Automate everything and make your emergency fund accessible, but not easily available, and only allow money to go in, not out.Anonymousnoreply@blogger.com