Yeh but having an emergency fund is not really the point.
I have a few grand i can get my hands on that i COULD pay the bills with if i really needed to, but i dont want to be spending my savings or credit cards/loans etc on paying bills, that money should be for holidays, investments etc etc.
I would hate to have saved up 10 grand and then break a leg or be snowed in for 3 months and have to blow it all
But what the recent weather has made me realise more than anything is that this isnt the most stable business in the world.
I did go out and clean some windows today btw, went out 12-4 and sat out a few showers and did something