I spend everything we make, I only save up to spend it later. I don’t use credit cards, but I can’t seem to save more than a few thousand dollars before we “need” it for some emergency. My emergency fund is a joke. If I was able to save up $10,000 it would be a miracle. What can I do? My husband is very frustrated and so am I that we can’t seem to keep money in the bank. There always seems like something comes up that we need to spend it.