This is why you have an emergency fund. We don't have an emergency fund, haven't had one for a few years now. It's on the list of things to reinstate if/when the furloughs go away, but until then, all of our money goes to living expenses and debt.
Our hot water heater blew up on Saturday, leaving our garage temporarily flooded. We have a home warranty (very THANKFUL for the home warranty) and most repairs and replacements are only $50. They guy came today, and in addition to the $50, there was a $45 fee to dispose of the old one, and $90 in parts and labor to replace the valves. Another $185 that we don't have, another $185 further from our goal. Ack! It really does start to feel like a merry-go-round, but without the fun, colorful horses to sit on. I want to get off.