Do you keep an emergency fund to cover you for a few months in case you get laid off or ill? We do have a fund, but it took some time to build it. If you haven't done so already, I'd suggest adding this to your budget so you can make regular deposits into this fund, along with your regular savings. It's great peace of mind to know that you'll be okay for awhile if life takes a bad turn.
I finally do. For most of my life I did not though. I did try to keep a couple hundred extra dollars in the checking account in order to avoid acccidental overdraft fees, but that's hardly an emergency fund and at least once a year even that got depleated.
