"For some of us, building an emergency fund can be challenging, as we may need time to build the habit, exercise caution with our spending and generally refrain from activities which invite spending!
However rather than feel discouraged, I will consider the value of my emergency fund as the tax refunds I have to collect.. In this way, I will try to submit the 2015's return earlier than I did last year's (2014 return) which was on April 30, 2015, so that when I collect on that year's refund, I will consider the refund for 2015 as my new emergency fund, held safely by the Govt..."
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