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I orignally only got interested in EF's for my dogs.
The motivation to save and scrimp and get money in the bank in order to have enough for emergencies for several dogs is what got us to be more financially secure. (I used a lot
of The Tightwad Gazette tips).
Odd it works out that way, but my love for my dogs made it worth it and we have such a good amount that any emergency now is quickly and easily paid for.
At first we did not use the EF for other emergencies but now do so: broken a/c at night - pif. Tires for truck - pif. Broken down car - pif.
But I quickly get ansy to get the EF fund back up.
VETS: very expensive. I learned to avoid those with the million dollar offices and all that test happy equipment. The few specialists I have been to were wrong or worse misdiagnosed my dog - so rarely would use them. I have good vets that are old fashioned and have a paid for building. No useless tests. No quota to meet. No banker figuring in the care (as they need to be paid for the expensive building). Also I study and ask questions about dogs and health and tests. Knowledge is power in a vet's office.
I feed half regular dog food (Science diet - they are good with watching quality) and make the other half.
Watchdogs: have never been robbed.
Now we have full security system in to protect them - surveillance system (pif) and security system. New computer and cell phone allows us to watch the camera while gone - all pif.
Fitness: I walk my dogs much more than I would do on my own.
Also: I now do charity pledges to run for a donation to an animal group - even more exercise - no gym fees.
We do live in a very modest house and have cars finally paid off and don't spend money from raises.
Might have to move though - neighborhood going downhill.
But my dogs (from a shelter) provided the motivation to be better financially and they are worth it.
We had a low credit rating, no savings and a lot of debt.
The motivation to save and scrimp and get money in the bank in order to have enough for emergencies for several dogs is what got us to be more financially secure. (I used a lot
of The Tightwad Gazette tips).
Odd it works out that way, but my love for my dogs made it worth it and we have such a good amount that any emergency now is quickly and easily paid for.
At first we did not use the EF for other emergencies but now do so: broken a/c at night - pif. Tires for truck - pif. Broken down car - pif.
But I quickly get ansy to get the EF fund back up.
VETS: very expensive. I learned to avoid those with the million dollar offices and all that test happy equipment. The few specialists I have been to were wrong or worse misdiagnosed my dog - so rarely would use them. I have good vets that are old fashioned and have a paid for building. No useless tests. No quota to meet. No banker figuring in the care (as they need to be paid for the expensive building). Also I study and ask questions about dogs and health and tests. Knowledge is power in a vet's office.
I feed half regular dog food (Science diet - they are good with watching quality) and make the other half.
Watchdogs: have never been robbed.
Now we have full security system in to protect them - surveillance system (pif) and security system. New computer and cell phone allows us to watch the camera while gone - all pif.
Fitness: I walk my dogs much more than I would do on my own.
Also: I now do charity pledges to run for a donation to an animal group - even more exercise - no gym fees.
We do live in a very modest house and have cars finally paid off and don't spend money from raises.
Might have to move though - neighborhood going downhill.
But my dogs (from a shelter) provided the motivation to be better financially and they are worth it.
We had a low credit rating, no savings and a lot of debt.
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