<prompt> Human: Perhaps this is just me getting down, and I know it can get worse, but does anyone else keep having a string of bad luck that busts your budget wide open every month?Past three months running I have had a vet bill, car repair and last night the cherry on top was my new phone that I bought a little over a month ago had the screen bust was in my hockey bag in the locker room, no idea how it happened.Frustrating to say the least. Not really sure if there is a point to be had here or just a rant. Id like to save, but any savings I could make just gets slaughtered with these unexpected 200 bills that seem to have no end.  <response>: Unfortunately, these things happen every so often. For some people it happens in spurts whereas for other people it may be a rarer occurrence. This is why its extremely important to have an emergency funds that is commensurate with your level of risk and standard living expenses. I would typically recommend 6 months of living expenses as a baseline so that you can continue living your life normally even though there may be road bumps and unexpected expenses. 