I will have a savings account of $25,000 for emergencies. If I should have a very bad month, I will draw on the Savings. If the roof needs repaired NOW, then this savings account will be used for that. As noted already, the money will be for emergencies. An emergency is an unexpected occurrence that needs to be addressed immediately. A new computer (even if my breaks down) is not an emergency. Some things, I should be able to support my needs without drawing on a fund intended for emergencies only. If I should have to use the savings account for an emergency, I will pause all discretionary spending, and use that money to rebuild my savings account until it is back to $25,000.