After writing so much about having an emergency fund, I find that my own balance is not enough for even one month. Currently, both me and my wife work, but due to the high mortgage for my home, our pay is just enough to pay all bills.

Thankfully, we have been able to meet our commitments for previous investments, but we have not made any new ones this year, which is a cause for worry.

I am expecting some surplus this month and should be able to transfer a wee bit to the EF this month and move it over the 1-month level.