Raid the Emergency Funds

Everyone should have money for emergencies in an account that's easily converted to cash, such as a money-market fund or a savings account. Financial planners suggest that you set aside at least three to six months' worth of expenses. This way, if you ever lose your job or suffer another financial catastrophe, you'll still be able to pay the mortgage and the grocery bills while you get back on your feet.

I love to pay cash for large purchases. But my bookshelf crisis really doesn't fall under the category of an "emergency," so to me, this isn't a viable option. Next?