I'm a risk taker I guess DH and I just started our savings not too long ago, so whatever is in there is there, and my checking we try not to let get below $50, but have been known to go as low as $10....when you live paycheck to paycheck sometimes it happens

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We did have quite a bit in CD's and Savings, but when we went into debt reduction mode we took it all out but $1000...so yes I'm freaking out a little BUT I'm making the debt go away that much faster so I can get some back in there!
Usually checking has no less than $50-100, a couple times though I've cut it close...I've tried not to go too low while we are working our debt reduction plan since our savings is lower than I'm comfortable with....but some times it happens!

We keep it in our checking account to avoid paying a service charge. The bulk of our savings is in a ING account which we love but its nice to have a little money we could get to quickly if we ever needed it.

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DS-16
DD-13
DD-5
DS-3

I personally would feel comfortable with enough in an emergency fund for at least 6 months of expenses. On a "bare bones" budget (not driving much, buying clothes, etc.) this would be about $11,000.

Currently, I save a minimum of $1,000 per paycheque (I'm only paid monthly). This isn't all for emergency fund though - it's just savings in general. Some for retirement, etc.

My husband just took a good paying executive chef position. If it works out and he's happy (the owner is known to be "difficult" to work for) we should be able to save a lot. This is exciting to me. I am working full time and putting myself through college towards my accounting degree, and he's planning to work and put himself through a business diploma (he already had a 2 year culinary arts diploma).

If it works out with DH's new position we should be able to save at least $2,500 - $3,000/month. This sounds like a lot (and it is), but where I live a house currently costs over $600K, etc. We are very fortunate to be able to save money, but we'll likely never buy an overpriced house here. Renting is okay, but has its downsides too, sigh.

Sorry about the novel, lol. Just having a lot on my mind today I guess (DH just went down to accept the position this morning).

We keep $1000 in savings at all times we have at least that in savings bonds incase of a emergency and that is the way it will stay. Our Checking never goes higher then $2000 and normally not lower then $100 yet there have been times.

We ended up with unexpected debt at the same time I quit my job to Stay home with my dd. Yeah totaling the paid off reliable car and having car payments added to our budget at 7 months PG wasn't the best idea. So it will remain at $1000 in savings until the CC is paid off. The only problem is getting the debt down when you are making what you spend.

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Kimberly Proud Mommy to Bethany Rose April 2006

We have the money and are planning on starting a savings acct when we get to the bank!!! We have never had one. Lately, too, if we have money left at payday we are doing good!!! We are still recovering from our move a year and a half ago (much lower cost of living area!). Before that, our checking acct never got below $1000

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~Happiness is a large family~

We have a "stash" in our checking account of about $1000. If I get close to that point, I start freaking out, b/c that means we spent more than we made. I guess I need to lower the stash to about $500, we have overdraft protection. We have a savings account at the bank of our checking account and we have an ING account. As long as I have about 3 months of pay in the savings I am fine. I am working on bumping it up to 6 months. My goal is to have 6months of pay in the ING account and then the savings in our local bank will be security if we need money now.