Emergency Fund vs. Savings Buckets: Why You Need Both and When to Use Each | 490 cover art

Emergency Fund vs. Savings Buckets: Why You Need Both and When to Use Each | 490

Emergency Fund vs. Savings Buckets: Why You Need Both and When to Use Each | 490

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Snag Our Simplified Budget System!

Let’s clear the air: an emergency fund is NOT a catch-all for life’s expenses. Most of what wrecks your budget month to month? Not true emergencies — just unexpected-but-actually-expected stuff like car repairs, insurance renewals, and holiday madness.

In this episode, we’re breaking down:

  1. The real difference between an emergency fund and savings buckets

  2. Why saving $1,000 and calling it a day isn’t the move

  3. What to do before paying off debt

  4. The 6 steps we walk our clients through (and why this order makes your budget work better)

  5. Why you’re always draining your savings account without realizing it

🎯 We’ll also chat about how to:

  1. Figure out how much you need in your mini emergency fund

  2. Brainstorm savings buckets that make sense for your real life

  3. Avoid the “oops, I forgot about that bill” panic

  4. Finally create a financial plan that’s flexible, clear, and works for you

Plus: We share details on our upcoming Budget Bootcamp starting December 29th! (Don’t worry — no homework now, just get your name on the list.)

This episode is your budget reset button — whether you’re just starting or you’ve been winging it and wondering why it’s not working.

Connect With Us:

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook


2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate


3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget


4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching


5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall


"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌


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