Since my husband became ill, I have channeled all my energy into taking care of him. He is not making as much progress because he won't get up and move. I recently had a heart attack and he has to fix his own food now and do more for himself. It was hard at first, but everyday it gets easier.
Saving emergency expense monies by opening an ING account. I have a small amount taken out of working checking account each month. I signed up for e-statements, and I don't pull them but every few months. The account is completely out of sight, so I am not slightly tempted in small emergencies.