I think it would be best not touch your emergency fund, my dear sis... and use it only for true emergencies... and you would know what that would be when it occurs!
I placed a cap on my emergency fund, which I already have reached (because my emergency fund is not a big amount). I used to classify car repairs, house repairs as "emergencies" (because in years past, those were always a case of an emergency need for cash or credit, LOL)... but now, I have budgeted a small amount every month for those "emergencies" so that I will not have touch the emergency fund. And I did not come to this decision on my own. I happen to be reading about emergency funds, and this was a key to success in saving for one of the writers. And is working for me!
