My coworker showed up late for work just the other day plus seemed truly out of sorts. He honestly looked like he hadn’t slept plus his overall appearance was incredibly disheveled. I easily knew something had to have happened because he is normally the most put together guy I know so I headed into his office to see what happened. He told myself and others that he had been awake half the evening due to the fact that his Heating and Air Conditioning appliance had died around eleven o’clock the evening before. He said that he was just getting ready for bed when he noticed a terrible odor coming from the HVAC vents. He then heard a pretty loud rattling noise plus the HVAC appliance shut off. He said that he hadn’t slept all evening for fear of the dwelling cooling off plus the pipes starting to freeze. I can’t exactly blame him for that one as the evening temps actually dropped into the teens. I honestly don’t suppose they would have frozen so fast but better to be safe than sorry. He said that he didn’t have the currency to have the HVAC diagnosed this year so he was hoping that he wouldn’t experience any problems. I think that didn’t pan out for him in the least. Now he will be facing a repair bill or worse plus he would have no option but to finance it. I told him that I have a special savings account that I add a little bit of money to each payday. This is my emergency fund so that when I need to perform maintenance or repairs around the dwelling I don’t have to panic in the slightest. It has taken me a long while but I have more than a thousand dollars in there which can cover a pretty good amount. He said that he would have to start doing the same thing. He doesn’t have much left over after all the bills but even twenty dollars every other month is a relatively good start.