My household started automatic savings into several ING sub-accounts last year, and we've already had a couple of Whew! moments because of them.No dramatic disasters to recount, but the biggest household-fund hit we've taken so far has been in the Car Insurance/Repair/Replacement account. A couple of months ago that account had piled up to $1800, and I thought we were set for July's insurance, some repairs, and a start on Next Car. Then the car went in for service and emerged $1809 later. So we had to scramble to cover July's insurance and wave good-bye to the start of Next Car. Then the car had to go back for another $350 service & small parts, a couple of weeks later. *Then* the car had to go back a couple of weeks after that for more service which ouch came in at $1300. I'm lobbying for a new mechanic. So the Car ING account has taken a beating, but we're awfully glad we had at least the first $1800.And the e-Fund, Home Repair, Dog, and Holidays accounts are ticking along just fine. Keeping those accounts separate from the regular checking account has been vital. We don't have the organizational skills to keep track of how much "should" be in checking for those big, irregular expenses. We still have $10K in credit card debt. It goes down every month, but not nearly as much as if we were holding the Eradicate Debt Laser Focus I admire in other posters on this board. DH & I needed the practice at learning to save, as much as we needed to wipe out consumer debt.
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