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Hey LindaAJ,
How is your emergency fund coming?

I guess if you can only spend 20 minutes a day on the fund, that's better than not doing it at all.

Sometimes the concept of analysing all of your income and expenses can be overwhelming.

You can try lowering your spending, or you will have to increase your earnings if you want to save faster.

I've had the worst time building an emergency fund. I know that it's the right thing to do, however I am usually too exhausted to make a plan.
And with 3 small kids I am usually running into things I need to buy with the extra money. I work part time, and my husband works full time.

I just can't see putting away 3-6 months in savings. That would take me forever. wouldn't it be easier to just put the emergency things on credit card and pay after wards. I hate to say, but I'm too tired to save money.