I know perfectly well that life is unpredictable, and there is a need to have an emergency fund. But I am sad to tell you that I haven’t set up any emergency fund yet.
There are just too many credit card bills to settle and too little income I have. My income is barely enough for the credit card debts, car and home installments, daily expenses, utility bills and grocery.
Trying the ‘Pay Yourself First’ method is easier said than done. Each time, I withdrew all the money from bank to …