PRACTICAL GUIDE
Emergency fund: how much to save and how to start
Learn to build a reserve for unexpected expenses.
Calculate essential costs
Add housing, food, utilities, transport and unavoidable payments.
Set a gradual target
A common guideline is three to six months of essential expenses, adapted to your situation.
Keep funds separate
Use an accessible, low-risk account and avoid volatile investments.
Automate contributions
A fixed transfer on payday helps build the habit.
Worked example
If your essential expenses are €900 monthly, three months equal €2,700.
These examples are educational and may not fit every situation.
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