This is what an Emergency Fund is for

I just had gum surgery, which cost $835 freakin' dollars.

Although I am terrified to touch our EF, which according to the Dave Ramsey plan is "only" $1,000 anyway, I am going to take $100 out of the EF to pay for this surgery. The remaining funds used to pay for the remainder are:

$100--reduced Mastercard payment
$100--reduced Discover card payment
$100--borrow from Ma
$200--take from other savings account which was created by a 0% credit card advance
$235--covered by funds from regular budget

And now, I have completely spent my annual FSA, which was only $1,500 and the maximum allowed contribution by my work. And it's only October. Still, I hope those $1,500 pre-tax dollars make a difference come April 15.