I haven't posted anything this month because I've been busy and out of town. At the beginning of the month, my Grandpa passed away. We were not ready for it, but it was not completely unexpected. He would be 80 next week and had several health problems, but we thought we had more time. We're all heartbroken of the fact that he is gone, but through our faith we know that he is with our grandma, who he loved and missed dearly and is at peace. That being said, we had to make an emergency trip home for a week, and my brother had to fly in from Virginia. We were definitely not preparing to spend that extra money to travel back to Florida and luckily we pulled from our entertainment and blow money to cover most of the trip and the rest came from Travel Savings. We were able to make the entire trip home without even having to touch the emergency savings-but it was there if we needed it! That's a wonderful, peaceful feeling. It's amazing what a difference a year makes! If this had happened a year ago we would have, without a doubt, put the money on our credit card. And why? David brings in the exact same income he did last year. But because we thought it was "normal" to have credit card debt and keep up with the Jones (Who are BROKE, by the way!) we put stuff we didn't need on debit cards, and when we had real needs those had to go on the credit card. Then a year ago we decided, "Hey? Let's try buying what we NEED first with cash, SAVING enough for our future needs and goals, and using the rest of the cash on fun?" And it has changed our lives. Do bad things still happen? Of course they do, case in point this month. But it seems like Murphy isn't nearly as scary when he has to face an Emergency Fund!