I've been working a bit to build up an emergency money market fund in case the hot water heater or the A/C dies, since we wouldn't want to have to get into our IRAs while the market is in the basement. We know it will come back, but it may take several years, so the fund will help us out until then. This is a good time to cut back a bit and make sure you don't have any debt, and do have an emergency fund. There's a fellow called Dave Ramsey who's on our local radio station that has a lot of good ideas for folks to get out of debt. One thing I'm not willing to give up is The Quilt Show. I'm probably not going to renew my subscriptions to Quilters Newsletter or the AQS magazine, but I'll find the $ to stay here.
Pat in Rockport, TX












