30-Day Breakup Guide: Day 11

Start a “Go to Hell” Fund
A “go to hell” fund (as often referenced in the personal finance blogosphere) is a nice nest egg of quick cash that’s at your disposal in case you want to, for example, quit a job you hate, get out of a terrible roommate situation, or relocate due to a relationship gone bad (ahem). It’s also known as a “freedom fund”—freedom to leave a situation if you need to or escape anyone who’s screwing you over. Having four to six months’ worth of living expenses at your disposal is ideal.

Don’t freak if you don’t have that kind of cash yet. You can start a savings account with only one dollar at a reputable online bank such as EmigrantDirect.com or INGDirect.com. Right now, those banks are paying 3 percent interest, which is awesome compared to what most banks offer. It takes about five minutes to sign up for one of these accounts online. An easy way to start saving is to have a little bit of money—whatever you can afford—from each paycheck deposited directly into the online account. Now, don’t touch it! This money is for emergencies only, not impromptu vacations, expensive dinners, or especially gorgeous pairs of shoes.

Warning: As your account grows, you might suddenly want to bust out with “Independent Women I,” Beyonce-style.

Did you just go through a horrible breakup? Is your heart in a million little pieces? Whether you got dumped or did the dumping, splitting up with someone sucks. But have no fear, The Frisky’s 30-Day Breakup Guide is here! Once you’ve a good cry over the loss of your relationship, spend the next month working on yourself. We’ll be posting detailed instructions for the next 30 days to help you get over he-who-shall-not-be-named. There’s even a handy-dandy calendar to help you keep track of your progress. Now get to work!