How fast/aggressive are you about restoring your Emergency Fund after a hit? Hi all, Recently my pet had back-to-back months of unexpected vet visits totaling to about $1k over two months (~$300, then ~$600). I consider these “Emergency Expenses” since it’s something unexpected but needed to be done. I save about $1k per monthly paycheck in my savings (currently have $45-50k in savings, $20k is considered emergency fun…

Emergency Passport / Netherlands Hello! Made it from Louisiana all the way to London on BA before I was told my passport was less than three months from expired and I could not continue on to the Netherlands. (Issue I stupidly didn’t know about until I got here). Just got a 1 year emergency passport in the UK as the US Embassy and am hoping to continue onto the Netherlands. Any…

Saving for home maintenance and emergency fund This is probably a relatively simple question, but I wanted to get some takes on it. I always keep a good emergency fund. I keep an approximate six months of living expenses at all times (at least). I’m currently in the process of purchasing a house. I see that it’s recommended to save at least 1% of the house’s total cost for repairs. Do you…

Emergency fund size for co-op apartment I know the recommended amount to have in savings is 1% – 4% of your home’s value, but does that apply to co-ops with monthly maintenance fees? I’m just beginning the search with my partner and trying to figure out what is financially feasible. I’m guessing it’ll depend on the co-op apartment, but curious if there’s general thoughts submitte…

Lpt about Emergency exits If you are ever anywhere public , and some one is making you feel threatened and unsafe , It is absolutely okay to exit through an emergency exit and set off an alarm. They are usually located near the back of bars near restrooms and as someone who’s worked in bars most my life the alarm is a mild inconvenience to us but may be the difference in…

Traveling on emergency passport from UK In a couple of weeks I’m supposed to travel from the UK, to Switzerland and Germany and then back to the Us on an US emergency passport I was issued (roughly 3 weeks ago). I’m looking for advice as I don’t know if I can get a new passport in time if I will need one to get to these countries or if my emergency will be alright for my travels. If a…

Israeli Strike in Gaza Kills Over 30 Palestinians, Emergency Services Say The strike hit a house in Jabaliya, a city that has repeatedly come under attack as the Israeli military has pressed an offensive in northern Gaza.

San Francisco Mayor-Elect Plans to Declare Fentanyl Emergency on Day 1 Daniel Lurie held his first news conference since Mayor London Breed conceded the mayoral race this week.

Emergency funds – plural – why this works for me Hi folks, just wanted to share my savings system with you all, because I’ve figured out something that works really well for me (for the way I like to think about things) and it may click for some of you, too. I have a LOT of separate savings accounts, and they all have jobs. One of my dogs had a seizure this weekend and we spent several hours …

Using cancellation travel insurance for family emergency My mom and sister purchased travel insurance through Travelex for an all inclusive for my uncle’s destination wedding. Unfortunately my grandma had a massive MI and is in the ICU. They will not be traveling next week for obvious reasons. They did not pay for a Cancel for Any Reason plan. Does anyone know what kind of paperwork they might need to…

Should I pay off loans at 2% interest? Or invest in an ETF? Emergency Fund? I have $28k in Student Loans. ($14k at 2 to 2.5% and the rest between 3-4%). I plan to pay off everything except the 2% loans. $50k in 401ks (2 separate ones), just turned 33, ~$65k savings in the bank. Otherwise: Debt Free (I own my car and my employer pays my health insurance). Income: ~70-110k depending on OT, pushing the higher end. Applie…

LPT remember the phone number for your legal next of kin or emergency contact In health care we run into many people who can’t remember their own family members phone number coz they rely on cell phones. Either remember it or write it down and keep in your wallet. You will make your care team much happier. submitted by /u/motherofdogz2000

Pay with savings and wipe out emergency fund or pay with HELOC loan? A massive tree in our backyard needs to be removed ASAP because disease and recent repeated storm damage have left it in a state where it’s likely to fall and damage the neighbor’s house. We’ve always known it was going to have to happen, but it’s much sooner than we had hoped. It’s not going to be cheap. It’s a big tree and because it’s on a sl…

LPT – Drive to the emergency dept before you ever need to drive to the emergency department When moving to a new home in a new neighborhood, just take a leisurely drive from your place to the nearest urgent or emergency care facilities. Do it a few times in the first few months. Do it when you’re in the daylight and not in a rush. And not trying to keep bodily fluids from spreading all over. And not distracted by horrific screams of pa…

Can I travel with an Emergency passport from France to the UK on Eurostar? I’m waiting to receive my new passport from HM passport offices as it’s been sent on the 19th of July, but I’m worried it might not arrive on time as I live in the EU and I leave on the 30th, can i get an emergency travel passport to travel on Eurostar from France to the UK? I’m leaving on the 30th of July so i need to know before then if it’s w…

Emergency Fund = investments? I need someone to help me out with this – we have 80k in investment accounts (mutual funds, CD, iBond, E*Trade…) and recently our emergency fund got depleted for various reasons to 1/3 of its original amount (some actual emergencies, some fun – 1 time – things that cost money like weddings or long distance baby showers, 40th birthday trips…gif…

Emergency fund in MM acct – Putting the interest to work I’ve got 6 months emergency fund in a money market account. This morning I was thinking about the interest it earns and if there may be a better way to utilize it. I’m getting around 12% in my taxable. Does it make sense to take the roughly 5% interest from the MM account and transfer it to VOO in the taxable? I’m guessing gains tax and the unc…

LPT Don’t wait until an emergency to unbox your emergency items LPT Check out any emergency items you have. Don’t wait until the emergency happens and you need to use the item. Read the directions and visualize the setup, and also inspect the equipment to make sure you have everything and nothing is broken. If you wait until you need it, you may find out you don’t have the right plug and need a converter, or…

Emergency Room Bill Help In February, I went to the ER. It was insanely busy & we waited two hours, a nurse called us over, closed a curtain, took my BP/Weight/Pulse & asked why I was there. She said they had no rooms and couldn’t register me or anything yet, to go back in the waiting room. We waited another hour before I finally said honestly my stomach is feeling a ta…

Should People Increase Their Emergency Funds Every Year to Keep Up with Inflation? Given the impact of inflation on the value of money, should individuals adjust their emergency funds annually to maintain their purchasing power? How do you ensure your emergency fund keeps pace with inflation? What strategies or tips do you recommend for staying ahead? submitted by /u/Reddit250923