Uncertainties in life are unavoidable, that is why an emergency fund is extremely important. You will not know what will happen every day. So having an emergency fund should be one of your priorities when building your finances because it will serve as your lifesaver if anything unforeseen happens.
What Is An Emergency Fund?
An emergency fund is a source of funds dedicated to unexpected uncertainties that will require cash. It prepares you to be ready for things such as accidents, illness, loss of income, and more.
Benefits of Having an Emergency Fund:
- You will have available cash when there’s an emergency. there’s no need for you to be stress in finding where you will be able to get money because you have backup cash that is waiting in case you need it.
- If you have savings, debts will be avoidable. Let’s all admit it, some of us experience being in a situation where you needed money but you don’t have any. The first thing that comes into our mind is to ask help from our relatives or friend. Yes, that is an option as well, but you need to make sure that you will be a responsible payor because if not it will affect your relationship because the person you’re in debt to will not trust you anymore.
- Having savings will make you secured, and if you are secured your mind will be at peace. In short, if you have an emergency fund you will not be in distress if something unexpected happens.
- Protects your financial plan. If you prepare yourself, you will never get the money that is reserved for something else. For instance, you save money for your child’s education, but an emergency happen. If you have an emergency fund you will not get the money that was supposed to be used for your child’s education, but if you don’t have an emergency fund using the money that you saved will be your first option.
How to Start an Emergency Fund?
Step 1. Check your finances. Evaluate how much money you can set aside to be able to save.
Step 2. Open an account. You can open a savings account but choose a bank that is easy to access with a pretty decent interest, but if you can afford you can choose a higher interest account to maximize your potential interest earnings do that.
Step 3. Make sure to regularly deposit until you reach your desired amount
Saving for an emergency fund doesn’t have to start with big amounts. If you can’t afford to save that big, just start with a little amount. As long as you save regularly, you will definitely reach your goal someday.
Helpful articles:
Save A Ton Of Money With These Tiny Things To Cut Out Of Your Life
Saving Tips for Low-Income Workers
Budgeting Made Easy by 5-15-20-60 Rule
Money Management Tips For Couples
Money Tips For Single Parents
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