We have been in more than one situation where a unique cet of circumstances aligned, and our BEF was not enough to cover a sudden unexpected occurrence. We had to get really really creative in order to get out of those situations without going into debt. Some were so serious that we actually put “get a line of credit” on the table as an option. We were so determined not to do that, that were able solve our problems without establishing new lines of credit. But I can think of at least two (more if I had longer to think) occasions where we wouldn’t have even thought about what to do if we had an open line of credit available to us. There would have been no need for the stress and strain involved in trying to find another way. I know we all think that won’t happen to us, but Murphy is an opportunist of the worst kind.
Good luck!