Thank you for including my article, Make More Money With The Same Paycheck in your post. I have revised the article to be more detailed and clear, please take a look at it when you get a chance.

Great article on the emergency savings fund. I agree with you that people need only start with a small amount. The funny thing is, little by little, the small deposits accumulate and then eventually, the emergency savings will hold its own weight.

Smarty
http://growingmoneyblog.com/