Re: How do you build an emergency fund when you can't even pay off your bills?
If you are not meeting your monthly expenses and you have cut down to the bare bones, you need to get more income. Grab a second job, look at work at home options etc.
Then focus on getting current on your bills if you are behind.
Set up a baby emergency fund of about $1000 so that a $300 car expense wouldn't kill you.
I know it is hard to be so focused on the money and cutting out the expenses but the financial peace is going to be so worth it.
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