Normally this is when I post the screen shots of all the charges so you can believe I'm not making this stuff up but Citi is down:
Not sure how to handle stuff like this but I think I need a baby only emergency fund. I think I'm going to set aside another $1,000 just for the baby. But when does it stop? Do I also need a fund for auto repairs, pet care, gifts, appliances? Perhaps I can just create a fund called 'Unexpected Expenses'.
How do you deal with stuff like this? Do you budget for stuff like this monthly?