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Resources & Tools

How Do I Build An Emergency Fund

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How do I Build an Emergency Fund?

There are a few ways to go about building your emergency fund, but it’s all about what works best for you. Here are some helpful tips:

  1. Automatically transfer funds from each paycheck. If you never see the money, you won’t have a chance to miss it. And, you’ll never forget to contribute.
  2. Aim to save 5-10% of every paycheck. If your budget allows, set aside a certain percentage of each check to your emergency fund.
  3. Cut back on unnecessary expenses. Use the $30-$60 you’d normally put towards coffee or eating out each month towards your emergency fund.
  4. Allocate any extra money to your emergency fund. Decide to put any extra cash left over from your budget, side-hustle, or any other unanticipated income directly to your emergency fund.
  5. Be patient. Emergency funds can be slow-building. Even if you only contribute $10 a week, some money is always better than none.

I Reached My Goal… What Now?

Congratulations! Now, to avoid dipping into your hard-earned savings, try to forget about your emergency fund. Don’t touch the money unless there is an emergency. Check the progress of your funds every year, and consider increasing contributions to grow your emergency fund even more.


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