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No. of Recommendations: 3
Thank you for the kind words, Wastlib! I have always enjoyed entertaining and encouraging folks who are in the midst of adversity. I appreciate you giving me the opportunity. I think your idea to use the savings bonds as your emergency fund is reasonable, but only if you are able to convince yourself to use them in that emergency. If you reach for the credit card instead, then you will need to figure out another option.

So let's see, you said you are barely treading water. Good! That's far better than being underwater. From where you are, you can make progress, and in fact you already have. You paid off something like $800 on one of your 17% credit cards. (I know, I'm not doing precise math.) So that means that you will have $136 more this year than last year, at a minimum. Excellent! That's a start you can build on.

Now, the next question for you to think about. You have a job and a side hustle, right? Can you get any additional income from the job, or uptick on the income flowing from the side hustle? And let me do this pointedly. Can you do those things WITHOUT putting in extra time? I realize that may seem counterintuitive. But thinking about it that way will force you to think about both more income and more efficient income.

ThyPeace, also, who else in the household is contributing income these days?
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