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Author: ThyPeace Big red star, 1000 posts Old School Fool CAPS All Star Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308229  
Subject: Re: Hypothetical Budget Question Date: 10/8/2013 11:12 PM
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As soon as you dip into your e-fund, would you start cutting your budget in little ways like canceling cable? And how long would you wait until you make those big lifestyle changes? Are there any rules of thumb?

I don't know if there are rules of thumb, but DH and I have deferred a couple of thousand dollars of expenditures in the last week and will continue to defer them. DD has heard me say, several times, "I'll buy that after I'm not furloughed anymore."

We have not cut off everyday expenses yet, but are economizing in easy ways. I am home more and thus able to do many chores that I might pay for in other circumstances, from cooking to car washing. DH is working on larger home projects that he might normally hire out to a handyman.

I have also ridden my bike rather than driving, but that's more for the exercise and the joy of having the time to be on my bike than for the money savings.

As this mess continues, DH and I will ramp down expenditures further. We have the mortgages on both houses and various other fixed expenses, though, and in my mind the variable expenses are already fairly low.

ThyPeace, could always rent out the house and move, she supposes, but that would be a consideration after a bit longer.
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