ajksmom
DIS Veteran
- Joined
- Apr 11, 2004
We have a dump truck that isn't used frequently. Our insurance agent had us drop all but comp(? can't think what it's called). We just call when we will be using it for hauling loads, give them the time frame(usually a weekend) and they put all coverage back on it. Saved us $1400 last year to do this. If one or some of your vehicles aren't used too frequently try looking into this.
Maybe you can look into offering a service (babysitting, housecleaning, tutoring,etc) and take all the pay it brings in and feed it into your cushion. Its great that you can afford your bills, but what would happen if one of you lost your income, even for a short while?
It took us 5 years to get 6 months of cash tucked away to be used in emergencies!!! Even though my DH has short and long term disability it really doesn't begin to cover our expenses so we worked really hard to get here!
Don' t give up, half your "battle" is won already because you realize you need to save some for emergencies.
Maybe you can look into offering a service (babysitting, housecleaning, tutoring,etc) and take all the pay it brings in and feed it into your cushion. Its great that you can afford your bills, but what would happen if one of you lost your income, even for a short while?
It took us 5 years to get 6 months of cash tucked away to be used in emergencies!!! Even though my DH has short and long term disability it really doesn't begin to cover our expenses so we worked really hard to get here!
Don' t give up, half your "battle" is won already because you realize you need to save some for emergencies.