"Chuck" wrote in message
m...


Well, what if my transmission falls out of my truck or the engine blows?
Both could be a reality with my truck since it has almost 200,000 miles on
it. In this case, I would have to "spend money that I don't have". We do
not
have public transportation here to speak of and I work night shift
anyways.
Don't think that I could afford $40 for a cab every day...

What about when the A/C goes out in the house? (This is one of the times
that I am glad that I rent)

Refrigerator goes out?

Chuck, someday, hopefully, you'll get in the position of a set aside
or reserve for those contingencies. Just as I suspect a number of folks here
have. I'll bet more than one lurker is applying all this verbosity to
themselves. How does the saying go? "....you are not alone...."
Maybe you could start by putting away $20 a month, even if you have
to cut back on something to do it. Take offense if you want, but unless you
have the fortitude to leave that tiny fund alone, go get someone to help.
Help in this case by you setting up an account that requires two signatures
for withdrawal. If you go to church, ask your pastor, for example. In any
case it has to be someone you can't bully into caving in. Relatives and pals
are poor choices. The agreement you set with them is that the money is for
legitimate emergencies, only. If you lie to beat the setup, you shouldn't
cry about it. $20 doesn't sound like much, but you have to start somewhere.
You have the misfortune at this point of opening yourself the the
world with all the stuff you've presented. I think the thread was opened by
somebody else. You've just become a focus.