No. of Recommendations: 7
I just have a quick question. When funding an efund do you include expenses such as gas, groceries

What would it take for you to live per month? Start with requirements - rent/mortage, car and other debt payments you can not afford to miss. Next factor in living expenses - food, phone, utilities, etc - that you can not do without. Then factor in non-critical debt payments like credit card and other things that may affect your credit but will not result in your becoming homeless. Finally include standard of living items which you could cut out in a pinch.

Who had 13 months himself and had to use 10 1/2 months of it...
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