Anonymous wrote:
Anonymous wrote:
Anonymous wrote:OP- I hope this is a wake up call to start living below your means. We make a middle income salary by DCUM standards but in order to save we have to live like we are struggling. It’s hard but we are able to use our emergency fund in this situation. Living below our means also meant that we didn’t screw up our credit, so if this shutdown goes past our 3 months of savings, we can do cc’s if necessary. I know I sound like an asshole but this situation that you’re in isn’t wholly the fault of the government.
Federal employees should not have 3 months expenses in an emergency fund. That's a poor use of money.
I'm the PP you're quoting. DH and I are both feds. We're making very good use of that money right now. When we receive our back pay, we will replenish what we've used. People can say what they want, but I'm not the one who will have to borrow living expenses from my TSP or lose my kids' daycare spot. Rainy days come, it doesn't matter who you are. It's those that plan for them that stay out of debt.