The Hello Bar is a simple notification bar that engages users and communicates a call to action.

Be Proud of Your Emergency Fund!

by J. Money on Thursday, April 24, 2014

piggy bank drawing

I can’t remember where I saw it, but someone recently said they “only” had $1,000 in their Emergency Fund. The first thing I thought when I read that was, GREAT!!! Do you know how many people don’t even have a dollar in their emergency funds? Or even know what an e. fund is? A lot. And even scarier is that many of them are living paycheck to paycheck :(

So if you’ve got it, flaunt it! Oh wait, that’s not right. (Get outta my head Tyra!) Let’s try that again…

So if you’ve got $1,000, or even $500, in your emergency fund, be proud! You’re consciously working towards a stress-free and financially safe future. That’s $1,000 MORE money you can count on in an event of a crazy situation or “emergency!” – whatever that means to you. It may not be as much as you’d like, but you’re on it and you’re getting closer. One day at a time, my friends.

I can vividly remember hitting $1k myself, and I never thought I’d make it ;) It’s like one of those mental blocks to get across, ya know? Multi-millionaires recognize this too – only for them it’s always the first MILLION that was the hardest to reach, haha… hopefully one day I’ll be able to verify that myself.

Regardless of that big number you’re trying to reach though, keep on pushin’. Personal finance is a myriad of first steps and motivation, and without one or the other you’re not going very far. So you take that $1k and you smile and tell yourself next year it’ll be $3k or $5k or even $50k! And then you plan for it and make that $hit happen.

Why? Because you’re a financial rock star, that’s why. And if you’re not going to do it, no one else will.

P.S. I originally wrote this post 5 years ago… Still as timeless as our 1875  book on Thrift!

[Drawing cred: Mike Tungate]


Our Renters Renewed For Another Year!

April 23, 2014
Thumbnail image for Our Renters Renewed For Another Year!

The best thing you can hear as a landlord :) At least of course if they are *good* tenants, as my friend Lazy Man was quick to point out when I announced the good news on Twitter. I asked him why he’d even offer his tenants the chance to renew if they sucked so much anyways?, and he said they tried doctoring the contract so […]

48 comments Check out the full article →

12 Months / 12 Income Streams

April 22, 2014
Thumbnail image for 12 Months / 12 Income Streams

I have a friend who goes by Whiskeytrail. He’s been a reader of this blog for years now, and every few months he emails me with interesting experiments he’s trying out. Currently he’s on a mission to land 12 new income streams, one for every month of the year :) Hoping to “change it up some” and learn a ton in the process. I thought […]

43 comments Check out the full article →

My A-Ha Moment: Accumulation

April 21, 2014
Thumbnail image for My A-Ha Moment: Accumulation

You might have noticed a bunch of A-Ha moments floating around last week as Shannon rocked her Financial Literacy Awareness project. But in typical J. Money fashion, I missed the boat so I’m blabbering about mine today :) And big shock – it has to do with my 401(k) account. (But I promise not to harp on it as much as I did last week, […]

49 comments Check out the full article →

QUIZ: How Broke Are You?

April 18, 2014
Thumbnail image for QUIZ: How Broke Are You?

Happy Friday, money hoarders! Y’all getting ready for the big Easter weekend? Gonna down lots of food and drink and be merry? I hope so. But before you go to it, make sure to take this quiz my friend Anna found, and then tell all your family members at Easter dinner to do the same. You’ll be the hit of the party ;) Though, I […]

55 comments Check out the full article →

When Mixing Passion With Hustling Can Fail

April 17, 2014
Thumbnail image for When Mixing Passion With Hustling Can Fail

[We've got a great article today by my boy Zee from He brings up something good to consider while y'all are out there looking for new side hustles!] Most personal finance sites I read have at least 1 post (or entire sections) about having a side hustle. The reasons behind why you should do this usually falls into “diversify your income streams” or simply, […]

48 comments Check out the full article →

Sometimes You Gotta Spend Money To Make Money

April 16, 2014
Thumbnail image for Sometimes You Gotta Spend Money To Make Money

One of my favorite sayings is “You gotta spend money to make money.” I don’t know why I like it so much considering it’s not always the case, but I guess the times when it is I just really REALLY love it :) Like, say, contributing to your company’s 401(k) plan. You “spend” a percentage of your paycheck every two weeks to better your future, […]

46 comments Check out the full article →

One-on-One w/ Farnoosh Torabi, Author of the New Book, “When She Makes More” [+ Book Giveaway!]

April 15, 2014
Thumbnail image for One-on-One w/ Farnoosh Torabi, Author of the New Book, “When She Makes More” [+ Book Giveaway!]

Hey guys! Welcome to another One-On-One where I interview some of the coolest people I know :) If you missed any of our last ones on Rob Wilson (Aka Hip-Hop’s Financial Advisor) or Extreme Couponer’s Chrystie Vachon, be sure to check them out when you get a chance. Awesome people doing even awesomer things! And now up, my good friend, and published author, Farnoosh Torabi! […]

66 comments Check out the full article →

Two Kick-Ass Spending Tips

April 14, 2014
Thumbnail image for Two Kick-Ass Spending Tips

I read an awesome article by my man Zee the other day, and I wanted to share it with y’all as well as another one I use myself it reminded me of. So today you get a 2-for-1 special – it’s your lucky day! (Perhaps you should run out and buy a lottery ticket next? ;)) Kick-ass tip #1… The “Stranger” Test This one comes […]

48 comments Check out the full article →