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Is it time to dump the emergency fund?: Single Guy High Impact Saving
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Is it time to dump the emergency fund?

January 26th, 2011 at 02:47 am

Not that I have ever had money designated as the "emergency fund", but I have kept money in savings (much in online savings) and checking accounts just because I liked to be flexible. Usually that meant I needed to pay for something large (read: car repair) with a credit card, and then I quickly paid it off (read: No interest). In the past days I have read a few blog posts where the issue of keeping or not the emergency fund has been discussed. Good arguments are made to not have one, as long as you have credit cards you can use in an emergency, and you have other less than 100% liquid funds you can access in a short amount of time. (CDs and brokerage accounts)

The above seems to describe me to a "T", and I have already been considering doing something like this. Plus I overdid paying taxes at the end of last year, so now I should be getting a refund of over $1,500.

===========================================

What follows is a train of thought going on as I mull this over. (oh, btw, I *was* a math major in college, so I love these type of math puzzles)

===========================================

After this month's mortgage payment my savings will be over half my outstanding mortgage, and unless my car dies I'm not going to have any emergency needs, at least nothing my credit card can't easily handle. Soooooooo... I have been putting $2,000 a month for a few months on the mortgage and it hasn't killed me. Maybe I should up that amount? I have a CD maturing in August. I have another one I could break - its only earning 2.3%. Those two CDs would give me another $2,500. Add that to the tax refund of $1,500, and that's $4,000. I have savings of $11,000. Together its $15,000, and I only need $19,000. If I go for a last payment at the beginning of September, that makes 7 more payments. Let's see, $2,800/mo. would just about do it. And doing this would save me another few hundred in interest payments. Oh man, I'm tempted. Soooooo tempted.

============================================

When the mortgage payment is made for the begining of March, I will have to come back and indicate what I did Smile

6 Responses to “Is it time to dump the emergency fund?”

  1. ThriftoRama Says:

    I'm a big fan of a paid off mortgage. It gives you so much more flexibility.

  2. Petunia 100 Says:

    Your sidebar says you have 19k in cds, 11k in savings. Is that up-to-date? When will the other 16.5k mature? What will it cost you to cash them in early vs. what you will save in mortgage interest?

    Whichever way you go, I think this is your year. Buh-bye, mortgage! Smile

  3. creditcardfree Says:

    Uh...yes, I would pay off my mortgage if it was $19K, especially with the other cash you have on hand. You also have the ability to build your cash reserves back up once you have the mortgage paid off.

  4. Single Guy Says:

    I have $10k in CDs at 5.5% that mature January 2012. I would like to keep them until maturity given that rate. I have another $5,500 in a CD that is at 3.5%, but it is a bump up CD I can get a higher rate if rates go up in the future. And it matures all the way in 2015. I would not like to break that one either. Hmmm, I don't think I have another one, so my CD amount is off by $1,000. Oops.

    I'm not sure of my current savings amount as it fluctuates so much, but it should be at least $10,500, possibly more, as of my next paycheck on Friday. And the mortgage balance is after the Feb. 1 mortgage payment, which my savings amount already has taken into account. So the sidebar is fairly accurate.

  5. scfr Says:

    I think CDs qualify as emergency funds. They are there if you need them; worst case scenario you just lose some interest. In fact, I think CDs make ideal EFs, since no one wants to cash them in early unless absolutely necessary (which is the definition of a real emergency).

  6. Jerry Says:

    I can't wait to be mortgage-free... even though I am not there yet, I think it does lead to more flexibility, as mentioned above, not to mention a lot less financial headaches. In any case, EFs are the ultimate backup insurance, but I like SCFR's idea of making them tougher to access so they don't get blown on silly stuff.
    Jerry

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