The most important thing I can stress is to have an emergency fund. Why? Because life happens whether you are ready for it or not. And trust me, you won’t know what will happen or when it will happen. But if you have an emergency fund it might or might not cover it all, but it certainly will help! My suggestion is to keep a separate account that you have about $1,000 in at all times. Start today to begin putting in each week to accumulate to $1,000. When you spend it, start accumulating it again. If and when you need it, you will be o thankful this is there. You won’t have to skip a beat on paying those other bills or continue saving for those other things.