Ahh I still need to start doing this but life gets the best of me, always. It's like everything I have all goes to medical bills :')
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I feel that! All my savings here are just from earnings, and I've had to cash out to pay bills sometimes too. I set goals that, barring disaster, are fairly do-able for me based on the years I've been here. :)
You can set a small goal, like maybe make a wee HBD savings account for emergencies?