Emergency fund

@deandrade The drainlayer should be able to locate where your drains are running if you don't have an asbuilt plan already. This will give you an idea of what you're up against should the drains need to be relaid.

Also, if there have been any earthquakes near you in recent years, and you find damage in your drains, call EQC and get them replaced.
 
@deandrade Is it a constant leak or just occasionally? Could be a water main leak instead of a leaking drain.

Unless there's a heavy downpour or your neighbour is pumping a swimming pool in to the gully trap, it's often not a leaking drain on a hill section. In fact quite the opposite. Is there any retaining all drainage?
 
@ruva yeah it pisses out when they use their laundry and bathroom. she’s had drain layers in multiple times but nothing seems to work. she’s on the high side of a really big retaining wall.
 
@devastated I originally thought this. But if you’re driving back and forth to a hospital regularly and eating in the hospital canteen (either for yourself or someone else) you will be glad you saved for full living costs.
 
@phydaux You can’t be optimistic and back yourself to do anything in an emergency. Don’t underestimate the worse case scenario. If you lose your job and have a medical emergency or total your car it’s pretty nice to have enough money to take 6 months to a year without having to worry.

Build out your emergency fund before any investments. If 10k is 3 months of spending for you then I’d aim for 20k.
 
@manuele In the same boat here. 20k would give us 6 months of our families current lifestyle (we could easily adjust a few things and stretch it to close to a year) so 20k is the goal, and we're just shy of that. Once we have that, it'll be hidden, and a new savings account will be set up for day to day emergencies. Once that is done, the rest will go towards long-term investments.
 

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