Dave Ramsey question...

[Spirit]

OK--I did our zero budget last night. THAT was depressing!

My question is--do you allocate money towards car repairs, replacing furniture, and other future replacement/repairs OR do you put ALL of that money into savings until you get your emergency fund?

I'm confused because I know he says those things will come up in the future.

But--when do you add those to your budget? Before or after the emergency fund?

Thanks!

[maryalene]

I'd put it all into savings for now. Then if the car breaks or the furniture collapses, you can take the money from the emergency fund. Without an emergency fund, I think it would be very easy to fall back on the credit cards which is something you don't want.