paid off the debt, saved up about 3 month's worth of expenses.

I didn't have an emergency fund while in debt so it didn't make sense to me to bother with it while getting out of debt. had I needed, I would have used a credit card for an emergency setting myself back a bit (the same net effect drawing money away from debt repayment for a fund would have had).


now I have a constant flow going into the account so it grows regulary, like Budget Man adding to it is a bill, not an option.

my occupational situation is extremely stable so 3 months probably would be fine but I'm shooting for 6 anyway.