It was 10 days before Christmas the year my husband got laid off and lost his job.
We had nothing to fall back on.
I worked part-time for a $9/hour. That certainly wouldn’t take us very far.
To top it off, we had to return every single Christmas present that year to pay our most urgent living expenses.
That’s not even the end of the story.
Not long after that, I also lost my job and my husband had some health issues and ended up in the ER with no health insurance.
It was a difficult time, and it took my husband nearly a year to return to a “good” job. (He wasn’t above flipping burgers until he could find a job with great income.)
Starting an emergency fund is so imperative to your finances. It’s literally an urgent matter for you to get one as soon as possible to deflect some of the worst possible financial disasters.