I told my BFF “G” all my New Year’s resolutions the last time I saw her, including my resolution to build up an emergency fund. She said, “No, don’t build up an emergency fund, or you’ll manifest emergencies! Create a Fun Fund instead.”

I already have a Fun Fund that I’ve started to save for travel (no traveling on the credit cards). I thought about it, and my second fund is to give me some peace of mind, to establish a financial cushion. I decided to call it my “Cush” fund.

I told “G” that I was starting to fund the Cush Fund by selling two rings. I was hoping she’d go to the pawn shop with me and help me negotiate a good price for them. “G” asked to see the rings. and when I showed them to her, she bought them from me on the spot!

I also got an extra paycheck in January (5 Fridays instead of 4!) and an unexpected check from my Dad’s estate.

Here’s the progress I’ve made on my 2016 resolutions, so far.


  1. CANCEL ALL CREDIT CARDS EXCEPT NEW 0% AND MY BANK VISA. I paid off all my credit cards except the new 0%, but I haven’t cancelled them yet.
  2. BUILD UP $1200 EMERGENCY  CUSH FUND. I have $847 in the Cush Fund. I started with $1 (so sad) in my savings account, added $500 from the extra paycheck, $150 from “G”, and $196 from Dad’s estate. This was a remarkably good month! I expect the deposits to slow down from here, at least until I have another five-paycheck month. Or maybe a tax refund (knock on wood).
  3. PAY CASH FOR EVERYTHING. (No new charges). I paid cash for everything this month! I budget $125 per month for out-of-pocket medical expenses, and I spent $200 this month, between prescriptions, a chiropractor visit, and a chest x-ray. Fortunately, there’s enough wiggle room in the budget to allow for an occasional overage, and I didn’t charge or dip into the Cush.

Although the check from Dad’s estate came with no explanation, the family grapevine says No.3 Bro started googling some web site that says, “You may have unclaimed money!” And apparently, Dad had unclaimed money.

We shouldn’t be surprised. Dad was the kind of guy who opened a new bank account every time they offered a toaster or an iPod as an incentive.


Thanks, Dad. I miss you.

Stay tuned…