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Dumping Debt Fridays | Q&A | How Do I Handle Unexpected Bills

1,235 views · Published 2 February 2018 · 13:12 · Indexed 10 November 2026

Channel: Kelly Anne Smith · 2018 · People & Blogs

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Dumping Debt Fridays is where we come together every Friday and I answer your financial questions or give you a LIVE update on my monthly budget. Financial Q&A's are where I originally fell in love with budgeting and couldn't learn enough, I used to watch my favorite channels like Budget Girl, Gazelle Intents and Debt is Dumb just to name a few. I learned so much from these Q&As and received many requests to start my own weekly Q&A answering your Dave Ramsey and budget-related questions. Please leave any questions you have in a comment below AND if you have a MONEY WIN please share that with me as well! I absolutely LOVE celebrating your money wins!  

Questions asked: 
Diana Jean 
What happens if you have an unexpected bill? (ie the dental bill was more than you’d saved, so you used your medical fund) What would you do if you have an unexpected emergency tomorrow? From which “account” would you withdraw the funds? I’m very risk-averse, but also don’t want to save too much “don’t-touch $” that should be going toward goals. Does that make sense?
Centsible Living With Money Mom 
Kelly, I have a question. ( BTW, I love this series) it is so helpful. Would you have two different savings for 1. Emergency fund  for car, medical, etc  2.  Separate fund for   , if you lose your job ( no touch savings) Thanks.  It can get overwhelming with so many savings, sinking funds, etc)
Living Large on Lifetime 
Thank you so much - so inspiring! I'm getting there with our budget - learning it so I can help more! I need to see everything in black and white so I'll be writing all mine down in a notebook, but I CAN'T WAIT to get some big ol' sinking funds like yours!! So you paid off $20,000+ in what, a year and a half? What would you say was your biggest tip for paying it off quickly and getting to where you are now with the sinking funds?? BIGGEST TIP?? 
MyEveryDayWifeLIfe   
do you save for retirement? Or did I miss that savings category? You are doing great, keep up the good work!! Kudos!

MONEY WINS:
TSP 2 days ago
My budget is set up. I started the Dave Ramsey budget back in July and have worked out the kinks so now my january budget is just about bulletproof! It's a good feeling to know exactly where my money is. I sleep like a baby at night just knowing that my finances are under control

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