I’ll admit it.

We have gone through our BS1 and rebuilt it so many times that about the middle of the year, I just gave up and put it toward debt snowball, rather than stopping debt snowball and having a BS1 with nothing to show for it. I guess in reality, I have been doing BS1 in a hodge podge manner, since whenever unexpected things came up I just paid for it, rather than putting it on a credit card. But I never did go back to a separate account for emergencies thing.

So here’s my question. At the end of January, I’ll have $1,100 to put toward debt. Should I just keep doing what I’ve been doing, or should I create a formal, BS1 savings account?

It just seemed last year like there was always something…and I was never winning.