Calamity March and the Emergency Fund Manifesto

Ideas seem so official when you call them manifestos. Life events continue to unfold which make me abundantly grateful that we have chosen to always have a cash emergency fund.

Let's put it this way, space heaters now seem to be our permanent source of heat because that tricky furnace is still randomly shutting off.

But on a bigger note, our poor Zekey-dog spent over 48 hours at the vet after he got desperately ill early Monday morning. We knew this was most likely due to his garbage-bin bender, and indeed he almost had to have surgery to remove that delicious cleaning rag he swallowed whole. Thankfully, he survived sans surgery and our vet bill is only about the price of a month's mortgage payment and not a used car.

Calamity March has once again convinced me that folks with houses, kids, pets, etc. really need more than the 1k emergency fund Dave Ramsey suggests :), especially if you don't want to have to pick between getting frostbit in your own home or letting your dog die of indigestion.

Man and beast.