At last I was able to update this page of mine after a week of vacation. I called my brother this afternoon to ask updates on their life, we were talking when my niece interrupt us to remind me of her Birthday next month. Oh, I told her I will just send my gift, and will get the budget from the fund I am saving for emergency assistance. My brother was laugh so hard when he heard me say about that.I don't know if he think I am joking but , really I'm not, Lately I keep an amount   every payday allotted for unscheduled expenses  like the Birthday party of my niece that I forgot, but at least now I don't have to worry about that because I can use my emergency fund.

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