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Resources & Tools

How To Start An Emergency Fund

How to Start an Emergency Fund/A Complete Guide to Building Your Emergency Fund: Start to Finish

When it comes to unforeseen emergencies, the best defense mechanism and readiness tool is a household fund established specifically for emergencies and unplanned events. Establishing an emergency fund is one of the first things you should do when striving for financial stability.

How Much Should I Save?

Aim to save six to nine months’ worth of critical living expenses, such as:

  1. Bills (mortgage, rent, etc.)
  2. Food
  3. Utilities
  4. Insurance
  5. Transportation
  6. Child Care
  7. Minimum Payments (on credit or loans)

Where Should I Save It?

Once you’ve decided how much you need to save, set your funds aside in a separate account other than regular savings. Using different accounts helps to avoid dipping into your emergency fund for non-emergency spending. Save your contributions in an account that is not easily accessible and earns interest.

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