when to save or spend
first off i have an emergency fund of 2k saved and stored separately. i have an additional 2k that im trying to delegate towards necessary things, for reference im currently saving $600-$800 a month.
scenario one, every bit i save this month and the next few slowly goes toward the things i need to get taken care of (collections bill, medical bills and appointments, new phone, oil change & vet vists) slowly done one by one as i save the money for each, could take about 3 months which means no saving in that time but my 2k is still there. scenario two, i spend the additional 2k i have saved on those same things all at once, then start saving immediately and likely build it back in 2-3 months. both options mean in 3 months i’ll have 2k so which would you prefer.
Posted Jun 5, 2026, 4:47 AM UTC