Okay so I'm restarting up this project after some time off... due to Murphy's law hitting the family BIG time in 2014. But I'm ready to get this going again and start getting the financial house secure once again. So the goal is to start paying extra down on the mortgage again... but first I'm going to need to get our e-fund back up. Here's the stats: Main checking account is fully buffered (one months of living expenses in advance using YNAB) Business checking (I'm self employed) is getting there at being fully buffered - probably a quarter of the way there. E-fund is only $3,617.91. Ouch. I need to get that back up to $20k to feel comfortable. I'm self employed and I'm usually searching for a new gig every couple of months so a nice round $20k sounds nice and satisfying and will make me feel more secure. Once my business checking is fully buffered which should take 4 months... I'll be able to get the e-fund to $20k relatively quickly. I think. For October I've been able to budget $652.31 to the e-fund bringing it's balance up to $4270.22. In November I should hopefully be able to throw double or triple that to the e-fund. We'll see. Wish me luck. I want Murpy to stay away. No more.