Great to see this post of yours, and how I do envy you with your financial goals. Just a few simple things as turning off the tv and shut the lights down when you're not there. It's so the opposite for me / us. No debts, that's one thing. But living on the edge, no savings ... and even no way to really get savings because the income is just not high enough and very little to no chances to increase the monthly income. Every time when I have gained a tiny bit, I have to withdraw it to use it ... No way to save on tv as I don't put on the tv ever, no way to save on shutting the lights off because I only use one light where I am. No way to save on turning the heater down a bit because the temperature here in the livingroom is just above 14 / 15 celsius. And never use a Central Heating because the propane gas is too expensive to use.

I try to stay positive of course, but I have really no idea at this moment how I would be able to get that emergency fund at least.

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