In the past two months, we have been on a loosing streak with home and auto repairs. In April my wife's 2010 Subaru Forster needed a new exhaust, cost $900. Last week, I took my car for an oil change and they said I needed tires. Yesterday, I bought 4 tires for my 2011 Subaru Legacy and it cost $420. They did not do an alignment because I now need tie rods. Appointment is made for next Saturday for tie rods for $470. Last night, the kitchen faucet broke. Will get one for $120 today at HD and kindly ask my handy neighbor to install it. Also, our washing machine is on it way out. That will cost $400 (no fancy front loader here).
The nice thing about having an emergency fund is that I can take the money out for these minor emergencies and replenish it over the next few months. An emergency does not have to be a job loss. By having this fund, we don't have to incur debt to pay for these expenses.
There will always be bills with cars and a house. I do hope that this trend of repairs slows down soon.