Allison (Allison Baggerly)

speaker

274 appearances 1 recordings 1 series first heard Oct 2025 last heard 30 Oct

Allison (Allison Baggerly)’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Oct 2025 with 1.

Appearances

newest first · ▶ plays the moment

Inspired Budget · #232: Used Your Emergency Fund? Here’s Your Next Step · 30 Oct 2025 podcast

I felt like, oh my gosh, we've been working so hard.

Now we have to change and shift all of this.

We have to pause our debt-free journey so that way we can rebuild our emergency fund.

And it just felt like I was taking, I don't know, 10 steps back.

But then I realized,

And I will say it took me time.

It took me time to come to this point to realize our emergency fund in that moment, even though I wasn't happy about what happened, it did exactly what it was supposed to do.

It helped us cover that emergency so that we didn't have to put anything on a credit card.

go further into debt, take out a personal loan.

Was it what we wanted to happen?

No, but when are emergencies anything that we ever want to happen?

One of the very first things I had to do when we were dealing with that situation and having to use money from our savings is I had to reframe what happened.

If your AC goes out and you end up having to spend thousands of dollars to get it fixed or even replaced, let me just say you did the right thing.

You used your emergency fund for something that, by all means, living in Texas and the heat, is considered an emergency.

You used your savings exactly as you had intended.

It's just that maybe you didn't use it on something that you look forward to spending money on, but it was there and you used it exactly how you said one day you would use it.

This isn't a setback.

And I know that for me, I have to remind myself that whenever something comes up and we have to pay for something unexpectedly, using my emergency fund isn't a setback.

It is proof that the financial plan I put in place worked.

So I think that we have to reframe it and see it as proof that what you did, what you set yourself up for is actually working.

Showing 41–60 of 274 · page 3 of 14