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	<title>Comments on: Emergency funds: The ten essential steps</title>
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	<link>http://monevator.com/emergency-funds-the-ten-essential-steps/</link>
	<description>Make more money, invest profitably, retire early</description>
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		<title>By: Cheapskate Sandy</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-12851</link>
		<dc:creator>Cheapskate Sandy</dc:creator>
		<pubDate>Wed, 21 Oct 2009 03:25:47 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-12851</guid>
		<description>I love your use of analogies here.  Almost made my top 5!</description>
		<content:encoded><![CDATA[<p>I love your use of analogies here.  Almost made my top 5!</p>
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	<item>
		<title>By: Welcome to the 86th Money Hacks Carnival (Platinum Edition)</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-12429</link>
		<dc:creator>Welcome to the 86th Money Hacks Carnival (Platinum Edition)</dc:creator>
		<pubDate>Wed, 14 Oct 2009 12:39:21 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-12429</guid>
		<description>[...] Investor presents Emergency funds: The ten essential steps posted at Monevator [...]</description>
		<content:encoded><![CDATA[<p>[...] Investor presents Emergency funds: The ten essential steps posted at Monevator [...]</p>
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	<item>
		<title>By: Yes, I Am Cheap</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-12343</link>
		<dc:creator>Yes, I Am Cheap</dc:creator>
		<pubDate>Tue, 13 Oct 2009 06:21:03 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-12343</guid>
		<description>&lt;strong&gt;Festival of Frugality #199 - Damn, No Bonus Edition...&lt;/strong&gt;

I am hosting my first carnival.  This is the Festival of Frugality #199 - Damn, No Bonus Edition.  Thanks to everyone who submitted an accepted article. 

Since I&#039;m not getting overtime, a raise of a bonus this year due to our good friend the recess...</description>
		<content:encoded><![CDATA[<p><strong>Festival of Frugality #199 &#8211; Damn, No Bonus Edition&#8230;</strong></p>
<p>I am hosting my first carnival.  This is the Festival of Frugality #199 &#8211; Damn, No Bonus Edition.  Thanks to everyone who submitted an accepted article. </p>
<p>Since I&#8217;m not getting overtime, a raise of a bonus this year due to our good friend the recess&#8230;</p>
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	<item>
		<title>By: Rob Lewis</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-12015</link>
		<dc:creator>Rob Lewis</dc:creator>
		<pubDate>Wed, 07 Oct 2009 21:55:21 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-12015</guid>
		<description>Great tips, and my favourite use of a Fast Show character in a personal finance article EVER!</description>
		<content:encoded><![CDATA[<p>Great tips, and my favourite use of a Fast Show character in a personal finance article EVER!</p>
]]></content:encoded>
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	<item>
		<title>By: Welcome to the 85th Running of the Money Hacks Carnival (Saturn&#8217;s New Ring Edition) &#8211; The Dough Roller</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-11984</link>
		<dc:creator>Welcome to the 85th Running of the Money Hacks Carnival (Saturn&#8217;s New Ring Edition) &#8211; The Dough Roller</dc:creator>
		<pubDate>Wed, 07 Oct 2009 12:16:09 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-11984</guid>
		<description>[...] Investor presents Emergency funds: The ten essential steps posted at [...]</description>
		<content:encoded><![CDATA[<p>[...] Investor presents Emergency funds: The ten essential steps posted at [...]</p>
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	<item>
		<title>By: Hank</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-11772</link>
		<dc:creator>Hank</dc:creator>
		<pubDate>Sat, 03 Oct 2009 20:52:07 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-11772</guid>
		<description>Great rundown of tips. I personally struggle with figuring out if an emergency is really an emergency or just a want.  I&#039;m quick to dip into my emergency fund unfortunately.</description>
		<content:encoded><![CDATA[<p>Great rundown of tips. I personally struggle with figuring out if an emergency is really an emergency or just a want.  I&#8217;m quick to dip into my emergency fund unfortunately.</p>
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	<item>
		<title>By: Weekly Roundup #3 &#124; Five Pence Piece</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-11735</link>
		<dc:creator>Weekly Roundup #3 &#124; Five Pence Piece</dc:creator>
		<pubDate>Sat, 03 Oct 2009 07:53:23 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-11735</guid>
		<description>[...] your living without having to spend more. Some easy-to-follow advice with a minor twist at the end.Emergency Funds: The Ten Essential StepsMonevator has spent a lot of time putting together a breakdown of the steps needed to fire up an [...]</description>
		<content:encoded><![CDATA[<p>[...] your living without having to spend more. Some easy-to-follow advice with a minor twist at the end.Emergency Funds: The Ten Essential StepsMonevator has spent a lot of time putting together a breakdown of the steps needed to fire up an [...]</p>
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	<item>
		<title>By: The Investor</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-11670</link>
		<dc:creator>The Investor</dc:creator>
		<pubDate>Fri, 02 Oct 2009 16:28:21 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-11670</guid>
		<description>Good luck Lee. Building up an emergency fund is a great way to kick the debt habit, not least because it downsizes your expectations of disposable income. 

If you&#039;ve been saving it, you haven&#039;t been spending it - and so you won&#039;t miss it! :)</description>
		<content:encoded><![CDATA[<p>Good luck Lee. Building up an emergency fund is a great way to kick the debt habit, not least because it downsizes your expectations of disposable income. </p>
<p>If you&#8217;ve been saving it, you haven&#8217;t been spending it &#8211; and so you won&#8217;t miss it! <img src='http://monevator.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	<item>
		<title>By: Lee</title>
		<link>http://monevator.com/emergency-funds-the-ten-essential-steps/comment-page-1/#comment-11655</link>
		<dc:creator>Lee</dc:creator>
		<pubDate>Fri, 02 Oct 2009 12:59:07 +0000</pubDate>
		<guid isPermaLink="false">http://monevator.com/?p=2690#comment-11655</guid>
		<description>Great advice there, Monevator. 

My emergency fund is all but non-existent at present. Technically I have one if a disaster struck, but it is actually earmarked for paying off my loan in a few months&#039; time when the balance is finally larger than the outstanding balance. 

Once that is out of the way, I will speed-pay it up to 6 months of expenses, then more slowly to 6 months of income.  After that, my savings &amp; investment plan will be much as I&#039;ll discuss on my blog when the time comes :)</description>
		<content:encoded><![CDATA[<p>Great advice there, Monevator. </p>
<p>My emergency fund is all but non-existent at present. Technically I have one if a disaster struck, but it is actually earmarked for paying off my loan in a few months&#8217; time when the balance is finally larger than the outstanding balance. </p>
<p>Once that is out of the way, I will speed-pay it up to 6 months of expenses, then more slowly to 6 months of income.  After that, my savings &amp; investment plan will be much as I&#8217;ll discuss on my blog when the time comes <img src='http://monevator.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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