[boefixepa]

I have "in case" envelopes that I let build up. I have "minimum" balances I want to achieve in them and "maximum" values that over which the surplus would be transfered to savings. I haven't maxed them out yet and in some cases I am still chipping away to get to the minimum I want to keep in there.

For example - Car maintence -- Minimum $500.00 Maximum $1,500.00

For an unexpected repair and regular matienance including tires and major work like belts/brakes etc. If the repair costs more than 2K I'd get a new car as my car would not be worth repairing at that point.

Another example

Vet Expenses Minumum $300.00 Maximum $1,500.

This convers their yearly check ups/vaccines, heart worm meds, and any emergencies that may come up. (Even a common sickness I can't fix is generally $200.00 GGRR!! Just a blood workup is $100.00......glad they are generally healthy!!!)

So I have many 'probable' emergencies like these and medical deductables built into the envelope system. An emergency fund is exactly that in my opinion....for emergencies. AKA thing you CAN NOT plan for. We all know we are going to get sick, need car repairs, the occational trip to the doctor/ER (or not so if you are sick alot or have kids) so if we build things we KNOW are going to happen we just don't know WHEN into our budget we don't worry about them when they happen.

Am I an odd ball in this? Or do others do it too?