Hi there,
I am happily frugal for a while. I am so happy reading all your tips and would like to thank you all, for taking time to share it. Reading other stories motivates me and ispires and I keep learning. Being debt free (except mortgage) is such a relief, but what I realised I don't have an emergency fund. I do have Vacation Fund, Christmas fund and some savings ($20,000), but I meant this saving for something else. How much is a normal figure? Also I am curious to find out what other...