Where my setup is at present:
- YIPPEE, I'M DONE - 6 months' expenses - in inflation-proof account;
- YIPPEE, I'M DONE - unused credit card
- NOT DONE IT YET - 1 month's salary in current account
- NOT DONE IT YET - £2350 minimum household item replacement fund
We are saving up for the household item replacement fund as of the end of this month. I have decided to save it up gradually, over three years. I've done this because we do have other sources of money if everything in my house decided to break at once, but some stuff I could live without. If the TV broke, I wouldn't care. If the car broke, I wouldn't care too much, but it would be annoying. If the washing machine broke, I've got a 5yr warranty on it, with 3 yrs remaining. If the oven broke, I've got two BBQs and a camping stove. If the fridge broke... then I might be in a bit of a pickle, although we do have an old, small fridge (the "party fridge" - it's got beers in it) that lives in the garage.
So, I think we'd be pretty much okay, just that the fridge might be a bit of a nightmare...
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