Why I never had much of an emergency fund. The way it works for me is to have all my money in one place and spend it wisely.
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I talked last month about how I got myself into a little bit of overspending during the holidays. Luckily, I have a sufficient emergency fund to cover me in times like these. As a result of my overspending ways, I decided to try out a modified envelope budgeting system. Most envelope budgeting systems use cash in envelopes. I creates a basic Excel spreadsheet with a few spending categories to track my spending.