Personal Emergency Funds

\I'm starting an emergency fund to get saved before I go hard on the credit card debt. I can't decide if I should go for a three month emergency fund or a six month emergency fund? A three month seems possible while a six month seems discouraging. Maybe do a three month fund, work on the credit cards and get those out of the way, and then add onto the emergency fund?

Do you have an emergency fund? What would you suggest?  Dave Ramsey said 3-6 months. I'm a Libra...I don't make decisions well.

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Financial Debt & Peach

We  need some financial peace! I've read a couple of books by Dave Ramsey (the financial get out of debt guru) and have started implementing some of the first steps. We have savings for an emergency fund adding up right now plus I've almost paid off over $1,000 in medical deb we've had hanging over our head.

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Lingerie Business

I sometimes think about opening my own business.  In college, I had to create a business plan on a business that would interest me.  I chose a lingerie business to write a business plan about.  I received an "A" on that business plan!  Part of that may have been the male instructor but hey, an A is an A.

I couldn't take the risk now to open a business.  Being married with kids, it's not just my risk anymore. If I did, I would probably have to look into business loans with bad credit because we barely hang on sometimes in this economy. Everybody is struggling so much! I sure hope things get better soon.

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If the Big Three Automakers Get A Bailout...

...then I believe we should be able to refinance BOTH of our Chrysler vehicles at 0% interest instead of what we are paying in interest now. After all, it'd be our tax dollars bailing them out.

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