hahahaha yep thank you so much for the kind words @orhem! Emergency funds will indeed save us from burying ourselves to debts. This is one of the financial mistakes most people are practicing, not building emergency funds maong magkautang2 gyud.

Yaaaaay thank you so much! I feel like I deserved it too! First time nako ni mutravel solely for leisure and it feels so good to to prepare for it financially. Okay na kaayo ko once a year mag travel bsta ma kaya lang sa budget. Again, thank you @orhem, see you around <3