Regular Expenses






440/m or 5,280 a year

30 per month or 366 a year

total: 500/m

Emergency Fund

emotional well being fund

job loss

2.7k - 3m

unexpected Transportation/ car repairs

6k goal


Bumper: $300 to $1,600, including installation

Radiator: $150 to $900 for cars; $250 to $950 for SUVs and trucks

Timing belt: $150 to $1,000 for the belt alone; $300 to $1,600 for a timing belt package that includes items like a water pump, tensioner, drive belts, and seals

Transmission: $1,000 to $6,000, including installation

Windshield damage: $50 to $150 for repairs, $500 to $1,500 for replacement


new car

unexpected medical expenses/ conditions

Goal 3k-6k


emergency room can cost anywhere from $150 to $3,000 – and that’s just for the ER visit itself.

Services, diagnostic tests and laboratory fees add to the final bill. For example, Wooster Community Hospital, in Ohio, charges about $170 for a simple suture, $200 for a complex suture, about $170 for a minor procedure and about $400 for a major procedure, not including doctor fees, medicine or supplies.

emergency room doctor charges about $100 for basic care, such as a wound recheck or simple laceration repair; about $300 for mid-level care, such as treatment of a simple fracture; about $870 for advanced-level care, such as frequent monitoring of vital signs and ordering multiple diagnostic tests, administering sedation or a blood transfusion for a seriously injured or ill patient; and about $1,450 for critical care, such as major trauma care or major burn care that could include chest tube insertion and management of IV medications and ventilator for a patient with a complex, life-threatening condition. At the Kettering Health Network, in Ohio, a low-level visit costs about $350, a high-level visit costs about $2,000 and critical care costs almost $1,700 for the first hour and $460 for each additional half hour; ER procedures or surgeries cost $460-$2,300.

An ambulance ride typically costs $400-$1,200 or more, depending on the location and services performed.

Amount: $1,772.00
Posted by: Mike413 in Pittsfield, MA. Posted: September 19th, 2018 02:09AM
Medical Center: Berkshire Medical Center Condition: Broken Leg
Tests or Treatment Required: X-Ray

Bug In ear
Amount: $2,500.00
Posted by: Kandablo in Dallas, TX. Posted: September 14th, 2018 04:09AM
Medical Center: Dallas regional medical Center Condition: Bug in ear
Tests or Treatment Required: Look in ear, numbing drops,

Anaphylactic shock
Amount: $3,500.00 Posted by: TP in Brownsburg, IN. Posted: August 1st, 2018 04:08PM Medical Center: Hendricks Regional Heath Condition: Swollen air, tongue, hives Tests or Treatment Required: Epinephrine and IV Spent a total of 1.5 hours tops and received an IV and epinephrine, no tests. Paid $1800 out of pocket with my insurance.

ER, no treatment, sent home
Amount: $2,700.00 Posted by: a user in Phoenix, AZ. Posted: May 2nd, 2018 11:05AM Medical Center: Dignity Health Condition: Swollen lymph node Tests or Treatment Required: None No testing required; nurse checked my blood pressure and temp, doc walked in and talked for about 5-10 minutes, said "come back if it gets worse" and sent me home. And for this, they charge nearly $3,000 USD? This country’s medical system is criminal.

Sinus Infections - Steroid shot and sent home
Amount: $2,753.00
Posted by: Bill Moore in Richardson, TX. Posted: April 7th, 2018 12:04PM
Medical Center: TX Health Hospital Condition: Sinus infection
Tests or Treatment Required: none
I woke up having breathing problems. I went to nearby non-hospital THH office. Nurse took blood pressure and temperature. Dr came in the room and spent less than 10 minutes and stated I had sinus infection. Nurse gave me steroid shot and told me if I was not better in 8 hours to go to the hospital ER room since they were not a full ER facility. I spent total time (wait time and room time) of 45 minutes. I will never seek medical treatment at any Texas Health Resource facility again.

Sliced finger opened
Amount: $400.00 Posted by: Megaman in Irving, TX. Posted: March 14th, 2018 04:03AM Medical Center: Irving, TX Condition: Tests or Treatment Required: Cleaned wound and gauss So a coworker sliced his finger opened whilst he was cutting veggies. I took him to the ER and the nurse gave him 2 options (he had no insurance), he could clean the wound and wrap it for $400 or clean the wound, add stitches and wrap it for, I think, $1200. He took the least expensive option. He could've done that himself for a few bucks but damn $400??

ER visit
Amount: $7,500.00
Posted by: Dee65 in Richmond, CA. Posted: March 1st, 2018 01:03PM
Tests or Treatment Required: Pain medication Iv fluids ultrasound ekg
Severe pain for about 8 hours also vomiting. So go to the kaiser emergency room long story short I have gallstones I was there for about 5 hours. I have a 6800 out of pocket maximum deductible so I feel like they just charge as much as they can to get your money. So crazy expensive

ER VISIT - Esophageal obstruction
Amount: $3,149.57 Posted by: Jadakiss in sandy, UT. Posted: November 30th, 2017 01:11PM Medical Center: Alta View Hospital Condition: Foreign body in throat Tests or Treatment Required: Chest X-Ray, IV Fluids, Endoscopy & Meds I had a piece of meat stuck in my throat, my husband did the Heimlich maneuver, but was unable to remove meat. I was throwing up foam for 7 hours straight until we decided to go to the ER. I do not have Health Insurance. This is what they charged me for being at the ER for 4 hours: PHARMACY $26.74
IV THERAPY $332.08 LAB $33.03
ER LEVEL 4 $1,569.67 DRUGS $322.82
GASTR INTS LV 2 $ 180.54 GI FEE $397.49

10 services with the greatest pct. pt. shift away from doctors’ offices and into hospital outpatient departments 2009-16

10 most common services in 2016: Total visits per 100,000 members

10 services with the greatest difference in dollars in 2016

hired help


240 hours a year

$50 per month

Giving Fund 1 year


Family or people dependent on you


unexpected travel/ vacation


unexpected gifts


For other occasions, gift amounts vary a bit more. In a thread about baby showers in the What to Expect forum, posters reported spending anywhere from $25 to $100 on a shower gift. A Good Housekeeping article on housewarming gifts offers ideas ranging in price from $5 to $180. And another Good Housekeeping article on retirement gifts suggests items priced between $10 and $330.

Instead, plan out birthdays, anniversaries, holidays, and any other events (is anyone you know getting married or giving birth soon?) that might happen during the year. Figure out how much you want to spend per person/event, and put savings toward gifts each month.

unexpected personal insurance/ premiums



This definitely isn’t unexpected, but if you pay every 6 months, you might forget when your bill is due. Just as with gifts, total the amount you’ll need to pay for the year, divide it by 12, and save a bit each month so you’re less overwhelmed.

Housing/ spike in utilities


techology/ broken computer









children unexpected health expenses

children unexpected babysitting

children unexpected tuition


real estate




bulk needs