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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 would think that if you are resorting to dipping into an efund for living expenses, then you would need to cut any unecessary expenses immediately.

I would definitely start trimming expenses by asking whether it's a need or a want. For instance, we have high speed internet at home. In some homes that would be a want, you could certainly make due with something slower, right? Except in our house, DH has a second job that is entirely online, so the high speed internet becomes a need, since we use it to make somewhere in the neighborhood of $20K a year.

Cooking with cheaper cuts of meat, shopping in less expensive stores, there are quite a few ways you can work to lower expenses, if for no other reason than to extend the efund for as long as possible.

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