I'm home from work today because my daughter is not feeling well. That makes 4 for 4. Both my daughters were home from college not feeling well, my son stayed home last week and now my other daughter. When I do not go into work, I do not get paid. I have no paid vacation or sick days. So I need to establish a savings account for just such a reason. We budget our money based on an "average" of my take home. My paycheck is different every pay period because I put in different hours. Some pay periods I end up working more and my take home is higher. I need to save that portion in a savings account (that I won't touch until I need it). But where should I put it? Should I hold it in cash at home? (That's pretty dangerous) or should I just direct it to a new ING account? I already have accounts set up for taxes, savings, and vacation. Whatever I do, I need to do it soon, as losing this day of work costs me approximately $100.00 net.