How do you build an emergency fund when you can't even pay off your bills?
The start of Jan. looked like we might be making progress and then the car died. $300 to fix it that wnt on the credit card. That means all the effort we've made has been erased it a single moment. How am I supposed to build an emergency fund when we can't even manage paying of the bills each month. I'm wondering if bankruptcy should be an option?
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