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      <title>Emergency Funds by Destiny Natividad</title>
      <link>https://padlet.com/DestinyNatividad/Emergency_Funds</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2017-02-24 21:30:07 UTC</pubDate>
      <lastBuildDate>2026-01-23 04:14:55 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>What are emergency funds?      </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156150899</link>
         <description><![CDATA[<div>An emergency fund is an amount left over a point in time in case of a financial dilemma ever occurs. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-24 21:39:44 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156150899</guid>
      </item>
      <item>
         <title>Example                </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197416</link>
         <description><![CDATA[<div>For example; your work is being closed all of a sudden and you've been working there for 10 years, so you are let go and have no job. You have a spouse and a newborn baby to provide for. You would need to live off of an emergency fund until you get back on your feet and in a steady job. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-25 17:03:03 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197416</guid>
      </item>
      <item>
         <title>Tip 1</title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197758</link>
         <description><![CDATA[<div>Use the emergency savings only in an emergency. <br><a href="http://www.mymoneycoach.ca/blog/saving-emergency-fund.html">http://www.mymoneycoach.ca/blog/saving-emergency-fund.html</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-25 17:09:14 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197758</guid>
      </item>
      <item>
         <title>Tip 2 </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197874</link>
         <description><![CDATA[<div>Downgrade or find way to pay less on bills, and put that extra money into an emergency fund. <br><a href="http://www.consumerismcommentary.com/50-tips-to-help-establish-your-emergency-fund/">http://www.consumerismcommentary.com/50-tips-to-help-establish-your-emergency-fund/</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-25 17:11:01 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197874</guid>
      </item>
      <item>
         <title>Tip 3</title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197979</link>
         <description><![CDATA[<div>Don't spend any emergency fund money, unless it is an actual emergency. <br><a href="http://www.consumerismcommentary.com/50-tips-to-help-establish-your-emergency-fund/">http://www.consumerismcommentary.com/50-tips-to-help-establish-your-emergency-fund/</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-25 17:12:45 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156197979</guid>
      </item>
      <item>
         <title>Tip 4</title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156571946</link>
         <description><![CDATA[<div>Ask yourself; "Do I really need to use my emergency fund money on extra items I don't need?" <br>If you said no, which you should have, good for you. If you said yes, which you shouldn't have, you need to change your mind. <br><a href="https://www.fidelity.com/viewpoints/personal-finance/save-for-an-emergency">https://www.fidelity.com/viewpoints/personal-finance/save-for-an-emergency</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-27 21:22:10 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156571946</guid>
      </item>
      <item>
         <title>Tip 5 </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156573255</link>
         <description><![CDATA[<div>Keep track of how much you spend on whatever you need, and whatever money you don't need or have left over put it into your emergency fund. <br><a href="http://money.usnews.com/money/blogs/my-money/2015/01/28/11-ways-to-boost-your-emergency-fund">http://money.usnews.com/money/blogs/my-money/2015/01/28/11-ways-to-boost-your-emergency-fund</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-27 21:29:25 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156573255</guid>
      </item>
      <item>
         <title>Tip 6 </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574252</link>
         <description><![CDATA[<div>Make cuts in your budget to spend less and save more. <br><a href="http://www.daveramsey.com/blog/4-quick-ways-to-build-your-emergency-fund">http://www.daveramsey.com/blog/4-quick-ways-to-build-your-emergency-fund</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-27 21:33:54 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574252</guid>
      </item>
      <item>
         <title>Tip 7</title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574478</link>
         <description><![CDATA[<div>Start small and have monthly or weekly payments into your emergency fund account. <br><a href="https://www.goalinvestor.com/insights/emergency-funds-6-smart-ways-to-build-yours">https://www.goalinvestor.com/insights/emergency-funds-6-smart-ways-to-build-yours</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-27 21:34:59 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574478</guid>
      </item>
      <item>
         <title>Tip 8 </title>
         <author>DestinyNatividad</author>
         <link>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574729</link>
         <description><![CDATA[<div>Stick to your emergency fund goals. <br><a href="https://www.clearpoint.org/credit-debt/emergency-savings-fund/">https://www.clearpoint.org/credit-debt/emergency-savings-fund/</a></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-02-27 21:36:19 UTC</pubDate>
         <guid>https://padlet.com/DestinyNatividad/Emergency_Funds/wish/156574729</guid>
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