Where Should You Put Your Emergency Fund?

This post is part of a sponsored campaign with Radius Bank. Radius Bank has not directed my content or my views.

My husband is currently a yearly contract employee.  We’re hoping that one day he’ll be a tenure-track employee where he’ll have more security, but due to funding, that hasn’t happened yet.  Because we feel a bit of instability from his job and we’re far from family, we’ve decided to aggressively add to our emergency fund.  The plan is to get at least three months of expenses in our emergency fund.

However, we don’t want that money just sitting in our checking account because it would be too easy to spend.  But, we don’t want it locked away in an investment in case we need it immediately if he loses his job.

We’ve made a list of requirements for storing this money as we continue to add to the emergency fund.  (It’s small right now, so we plan to grow it little by little every month, but we want our plan in place as we continue to add money.)

Out of Sight but Accessible

We don’t want this money mixed in with our regular monthly income because, well, out of sight, out of mind.  We want it in a bank separate from our regular bank (or at least our regular checking and savings account) so we don’t spend it.

No Fees

We must have an account that doesn’t charge fees.  What’s the point of saving money for a major emergency if the money gets eaten, little by little, by fees?  One account that we’re considering is the Radius Hybrid Checking because there are no monthly maintenance fees or ATM fees.  That means our money would be in a separate account, easily accessible, without fees consuming our savings.  Win!

Earn Some Interest

Lastly, we’re looking for an account that pays some interest.  I know we won’t earn a lot of interest in a regular checking account, but we’d like to earn some interest for our emergency fund.  Again, the Radius Hybrid Checking fits the bill because it pays 0.85% APY on balances over $2,500.  We’re not at that amount yet, but we definitely will be when we have three months of expenses paid.

Do you have an ample emergency fund?  If so, where do you keep the money?  Which bank do you use?  We’re just in the beginning stages of a search for the perfect bank, so I’d appreciate hearing your thoughts and experiences!


Homeschool Crew Review: A+ Interactive Math

Bookworm has reached Pre-Algebra.  I’m not a math whiz and neither is he, so we’ve struggled to find just the right program for him.  We were recently given the opportunity to review A+ Interactive Math (by A+ TutorSoft Inc.).  We chose the Family Math Package and settled into the pre-Algebra program.

Adaptive Math

About A+ Interactive Math

A+ Interactive Math offers two different programs, the Family Math Package and the Adaptive Math Curriculum Online.

Family Math Package

As mentioned, we chose the Family Math Package.  It offers all levels of A+ Interactive Math currently offered (Grades 1-6, Pre-Algebra, and Algebra 1).  This package can be used for up to 10 students, so it’s great for families, and it’s affordable.  Even if you only have one child, this is a good program because you have access to all of the levels.  If your child is in Grade 6 math, but you realize he has some deficits, you can easily switch him into Grade 5 math to cover the basic skills he’s missing.  The only drawback to this program is that it doesn’t pre-test students to place him in a target grade.

Adaptive Math Curriculum Online

This program is completely automated and is available for every level A+ Interactive Math offers except Algebra 1.  Students take a pre-test for proper placement, and then they are graded as they progress through the program.  The program is individualized for the student and may change automatically depending on how well the student learns the skills taught.  This package is also available for up to 10 students.

How We Used A+ Interactive Math

Bookworm used this as his regular math program during the review period.  He had to repeat several lessons due to low scores, so he didn’t get as far as I’d like, but I did appreciate that he could go back and review lessons he performed poorly on.

Our Thoughts on A+ Interactive Math

I think this program would be excellent for kids who love online learning.  Kids who love video games would also likely enjoy this program because the voice sounds robotic.

Parents will likely enjoy that most, if not all, of the work is graded on the computer, so that’s one less job for a parent.  It’s also easy to see your child’s progress and score at a glance.

Unfortunately, Bookworm didn’t enjoy this program.  However, take that with a grain of salt because he doesn’t like any math program.  The robotic sounding voice bothered him, and he much prefers to have a book in front of him rather than on the computer.

I watched over his shoulder for several lessons, and I noticed that the program is not as intuitive as I would like.  For instance, when answering the interactive quiz after a lesson, Bookworm pushed “next” after each question not noticing that he had to first hit “submit” on the frog’s belly before hitting “next.”  So even though he got the questions right, his score reflected 20%.  He had to go back and hit submit before next, and then he got 100%.

In addition, when doing the worksheets, there are a number of buttons at the top.  The student is supposed to push the “next” button after each question, but it would be easier if the “next” button was conveniently located right next to the question.

For a parent who is looking for a largely automated program and for students who enjoy computer-based learning, this may be the perfect math program.

A+ Interactive Math
Keep up with A+ Interactive Math via social media:


I was one of 76 people to review A+ Interactive Math.  To read more reviews, click on the link below:

Family & Adaptive Math Online {A+ Interactive Math Reviews}

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