5 ways to build your savings after an emergency.

5 ways to re-build your emergency fund

An emergency fund. Everyone should have one. Financial experts recommend that an emergency fund should cover at least three months of your normal expenses. In today’s economy when the majority of Americans are living paycheck-to-paycheck and strapped with debt, building an emergency fund takes time and self-discipline. It isn’t easy and sometimes takes sacrifice. Once you do have an emergency fund in place — no matter how big or small — there is a sense of accomplishment and rightly so!

But what happens if you need to use the emergency fund? Let’s say you have emergency expenses: major home or vehicle repair, a medical emergency, a speeding ticket, an unexpected bill, whatever it may be. Emergency funds exist for this exact reason! Once you use your fund, you will need to rebuild it. Don’t be discouraged, though. Here are 5 ways to rebuild your savings after an emergency.

Lydia Samson of The Unchaotic Life

“Every day I pray that I am the Christian whose works are bringing people to God,” says Lydia of The Unchaotic Life. In the second in a series of interviews with featured bloggers, entrepreneurs, and independent ministries, we will chat with Lydia — wife, mother, financial blogger, author, social media manager and insurance agent and financial consultant — about following her God-given dream.

15 Simple Ways to Save A Little Money

Like many families, we made the choice to live on a single income so my husband is able to stay home with our fifteen-month-old son. It is not always easy to stay in budget when emergencies happen. We completely understand and empathize with the need for individuals and families to find creative ways to save. I have put together 15 simple ways to save a little money on the side. You might just be surprised how a few dollars here and there adds up!

Rug pads make a difference

I have moved eleven times so far in my entire life (not counting the two summers I studied abroad), and most of the houses I have lived in had fully carpeted rooms with hard surfaces in designated areas like kitchens and bathrooms. Perhaps that is why I have not given much thought to rug/carpet pads… until recently.

Budget Guide series - tips for saving

Budget Guide: What to do with your tax refund?

Here in the United States, tax season has wrapped up and, hopefully, you submitted your taxes by the April 18th deadline or filed for an extension. For many, the stress of tax season is often relieved when we are informed that we will be receiving a tax refund from the federal government, the state government, or

Budget Guide series - tips for saving

Budget Guide: Organize Your Savings!

Previously we have looked at tracking monthly income as well as lowering monthly bills and expenses. Today let us jump right on in to the best part: saving money! We are going to be looking at a few methods that will help you keep a buffer in your checking account and divide your savings account

Budget Guide series - tips for saving

Budget Guide: Evaluating Housing, Bills and Expenses

In the first post of our Budget Guide series, we shared the importance of knowing your monthly income and having a bill schedule. It is hard to set a budget without a clear understanding of how much you bring in every month and when bills are due. Today we are taking it one step further.

Budget Guide series - tips for saving

Budget Guide: Monthly Income and Bill Schedule

I believe I had been modestly frugal for most, if not all, of my life. I am the type of person that really dislikes seeing hard earned money leave my bank account, unless it is for something that I have planned for. I might, on rare occasion, do a spontaneous purchase, but then I usually