An emergency fund is a dedicated cash reserve set aside to cover unexpected expenses or income loss — job loss, medical bills, urgent repairs — without going into debt. Financial planners generally recommend 3 to 6 months of essential living expenses.
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Pro Tip
Automate a small transfer to your emergency fund on payday. Starting with £25/week builds a £1,300 cushion in a year before you even think about it.
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Did You Know?
A 2023 Bankrate survey found that only 44% of US adults could cover a $1,000 emergency expense from savings — highlighting how underprepared most households are.
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