If there are higher dimensions and there are intelligent beings residing in these dimensions , isn ' t it unnerving to know that they are probably observing us even when we think we are alone in the shower and have no way to perceive them ? Spooooky . <| sep |> Make an emergency fund category . Then transfer the extra amounts to it . You will probably need to do some math if you have a $ 200 annual bill due in three months , but you have $ 300 in that category , then just take $ 100 and move it to the emergency fund . Then don ' t fund that bill until the month after you pay it . <| sep |> I wonder what would happen if mar won . Would people have been a better position not knowing how ducked up the PNP institution was ? Some people say , peace and order ain ' t that bad . What you don ' t know won ' t hurt you , i guess ?