https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 12 May 2026 08:04:08 +0000 https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1085035 Fri, 13 Sep 2013 10:33:09 +0000 Mrs. High Heels 1085035@https://boards.hellobee.com/ <p>@plantains: I like it so far, but have only been using it a couple months so haven't really lost or gained any money yet. We do auto-debit so every month, so money gets deposited into our Betterment account and we don't even think about it. It's really easy/intuitive to use and the web interface is great. My husband is a financial consultant so he thoroughly researched and vetted it out and thought it was a good tool.</p> <p>You can read more reviews here:<br /> - <a href="http://cashcowcouple.com/service-reviews/betterment-review/" rel="nofollow">http://cashcowcouple.com/service-reviews/betterment-review/</a><br /> - <a href="http://www.youneedabudget.com/blog/2012/betterment-review-im-a-huge-fan/" rel="nofollow">http://www.youneedabudget.com/blog/2012/betterment-review-im-a-huge-fan/</a> </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1085032 Fri, 13 Sep 2013 10:32:20 +0000 HLK208 1085032@https://boards.hellobee.com/ <p>We have multiple savings accounts. We also always try to have a certain amount in checking so we don't have to use the savings. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1085028 Fri, 13 Sep 2013 10:30:45 +0000 yoursilverlining 1085028@https://boards.hellobee.com/ <p>Investment accounts that earn around 10% return annually (not guaranteed, of course, just historical average) vs. the 1% of my "high yield" savings account.</p> <p>I definitely don't consider IRAs or 401k to be "emergency savings", you can't withdraw from those without large tax penalties.</p> <p>We've never run into a situation where we couldn't use a credit card to pay for an emergency expense; I've never needed to have actual cash on hand within a few days time. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1085013 Fri, 13 Sep 2013 10:26:31 +0000 Freckles 1085013@https://boards.hellobee.com/ <p>Savings. If it truly is an emergency, we want to be access/liquidate funds right away. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1085005 Fri, 13 Sep 2013 10:24:07 +0000 plantains 1085005@https://boards.hellobee.com/ <p>@Mrs. High Heels: how do you like betterment? I'm thinking of giving it a try, but can't decide whether to just do Vanguard instead and not bother. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1076358 Tue, 10 Sep 2013 11:49:22 +0000 mrs. wagon 1076358@https://boards.hellobee.com/ <p>@bluestriped bee: I like the "Gold" option!! I wonder if I can convince Wagon Sr. to trade our savings account balance into gold. I would totally keep it safe because it would be around my neck. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1076350 Tue, 10 Sep 2013 11:47:41 +0000 BSB 1076350@https://boards.hellobee.com/ <p>@mrs. wagon: haha! I was going to put 'off-shore bank account' as an option! </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1076282 Tue, 10 Sep 2013 11:29:18 +0000 mrs. wagon 1076282@https://boards.hellobee.com/ <p>The Cayman Islands!!!</p> <p>No, just kidding.</p> <p>Savings account tied to our checking account. Boring. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1076270 Tue, 10 Sep 2013 11:25:31 +0000 Mrs. High Heels 1076270@https://boards.hellobee.com/ <p>We use a fund manager called "betterment" - you choose your allocation (ex: 70% bonds/30% stocks) and they handle the rest for you. I discovered it through reading the YNAB blog.</p> <p>We also have 401k's and a money market account. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1076236 Tue, 10 Sep 2013 11:07:05 +0000 PurplePeony 1076236@https://boards.hellobee.com/ <p>Our account that is designated as our "emergency fund" is in an online savings account. We have money in other accounts that we could certainly draw on if we needed to, but it's not specifically designated for that purpose. We also keep a small stash of cash in case of a natural or technological type emergency in which we couldn't get money from the bank for awhile. But it's probably not as much as we really should have, it just makes me nervous to have a lot of cash around. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075911 Tue, 10 Sep 2013 09:05:51 +0000 Dandelion 1075911@https://boards.hellobee.com/ <p>@dagret: @2PeasinaPod: Us, too! Well, except our savings account isn't an online account. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075891 Tue, 10 Sep 2013 08:56:47 +0000 2PeasinaPod 1075891@https://boards.hellobee.com/ <p>@dagret: We have ours in exactly the same spots as you! </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075890 Tue, 10 Sep 2013 08:56:34 +0000 deactivated_account 1075890@https://boards.hellobee.com/ <p>@sheskrafty: bahahahaha. My response, as well! </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075883 Tue, 10 Sep 2013 08:55:02 +0000 ShootingStar 1075883@https://boards.hellobee.com/ <p>We have it split between two savings account at our credit union that get great interest (4%) and an investment account at our bank that's basically a mutual fund. I have no idea if this is the right thing to do, lol. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075800 Tue, 10 Sep 2013 08:30:23 +0000 dagret 1075800@https://boards.hellobee.com/ <p>Our primary emergency fund is in an online savings account; our secondary emergency fund is invested in stocks and bonds. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075783 Tue, 10 Sep 2013 08:22:48 +0000 mediagirl 1075783@https://boards.hellobee.com/ <p>Since it's an "Emergency Fund" it needs to be instantly accessible without worry of fees for withdrawls so, ours is in a savings account, which is tied to our other accounts. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075777 Tue, 10 Sep 2013 08:20:47 +0000 sheskrafty 1075777@https://boards.hellobee.com/ <p>What is this "emergency fund" you speak of?!? </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075771 Tue, 10 Sep 2013 08:18:24 +0000 Bookish 1075771@https://boards.hellobee.com/ <p>The bulk of our savings (what I would constitute as our emergency fund) is in a CU savings acct, then we have 3 other mini savings accts with a few hundred each for car expenses, trips, etc. I don't consider our 401Ks an emergency fund because they are not to be touched! </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075751 Tue, 10 Sep 2013 08:09:03 +0000 anonysquire 1075751@https://boards.hellobee.com/ <p>In my dads "bank". </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075739 Tue, 10 Sep 2013 07:59:03 +0000 Caly 1075739@https://boards.hellobee.com/ <p>We have decent chunks in a couple different accounts...then we have others scattered between other investments, etc. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075710 Tue, 10 Sep 2013 07:35:03 +0000 illumina 1075710@https://boards.hellobee.com/ <p>Not sure how much constitutes an emergency fund, but we have a few £,000 between us in checking accounts, that's about all. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075659 Tue, 10 Sep 2013 06:36:02 +0000 Adira 1075659@https://boards.hellobee.com/ <p>We have our emergency fund in multiple places: some in savings, some in CDs, and some in stocks. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075612 Tue, 10 Sep 2013 03:17:51 +0000 loveisstrange 1075612@https://boards.hellobee.com/ <p>In several different savings accounts. We like not having it all in one place. </p> https://boards.hellobee.com/topic/where-is-your-emergency-fund#post-1075608 Tue, 10 Sep 2013 02:57:14 +0000 BSB 1075608@https://boards.hellobee.com/ <p>I read an article and it got me thinking about our emergency fund. </p> <p>If you put it in more than one location, where does the biggest chunk live?</p> <p>Feel free to just vote if you don't want that info out there. </p>