When you receive your bills each month, ie, water, electric, satellite/cable or phone, do you put any extra money towards the bill each month in case something was to ever come up to stop you from being able to have enough for a payment? If so, what percentage of each bill do you put towards that bill? If you haven't done this in the past, would you do so in the future if you had the money?
My wife and I have done so over the past fifteen years, and when she had her wreck in December of 2015 and was in the trauma unit at Vanderbilt in Nashville, TN and the rehab hospital a few blocks over for nearly a month, it saved us a bunch of money. We didn't have to touch our emergency fund except to pay for COBRA to keep insurance on both of us. It greatly helped, and we talked to and taught several nurses and even a doctor there how to do it.