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Reply to "What do you consider savings?"
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[quote=Anonymous]We have retirement, house down payment, 6 month emergency fund. Besides college, all the other things you list are part of our budget, reviewed quarterly. DH and I both contribute to a joint account (proportional to our incomes) for things in the budget. Sometimes that account is larger until the big ticket items are due (we pay quarterly taxes for DH's fellowship stipend). If something unexpected happens, we use the 6 month fund and then top it up over the next few months. Clothing comes out of our own money - the money we don't put in the joint account. [/quote]
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