{"id":358497,"date":"2020-06-08T16:38:43","date_gmt":"2020-06-08T22:38:43","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=358497"},"modified":"2020-07-10T10:46:14","modified_gmt":"2020-07-10T16:46:14","slug":"emergency-fund-how-much-should-you-save","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/","title":{"rendered":"Emergency Fund\u2014How Much Should You Save?"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail.jpg\" alt=\"A woman manages her budget on a laptop.\" class=\"wp-image-358498\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail.jpg 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_thumbnail-768x256.jpg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>If you want to feel more financially secure\u2014and who doesn\u2019t?\u2014a good first step would be creating an <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-repair\/credit-repair-101-why-is-an-emergency-fund-important\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">emergency fund<\/a> if you don\u2019t already have one. An emergency fund is an account that contains money you intend to use <strong>only<\/strong> for financial emergencies. These are things that can take you by surprise and cost you a lot of money, such as:<\/p>\n\n\n\n<ul><li>Car and home repairs<\/li><li>Medical expenses <\/li><li>The loss of a job<\/li><\/ul>\n\n\n\n<p>Most financial advisors recommend having <a href=\"https:\/\/www.investopedia.com\/terms\/e\/emergency_fund.asp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">three to six months\u2019<\/a> worth of living expenses saved in an emergency fund. To apply this to yourself, tally up how much you spend monthly on your mortgage or rent, other loans, insurance, utilities, groceries and transportation, and then multiply it by the appropriate number to see what your saving goals should be. <\/p>\n\n\n\n<p>So, for example, a single person with monthly expenses of $1,200 should aim to have at least $3,600 put away, though $7,200 would be ideal. (You can use an <a href=\"https:\/\/www.ally.com\/education\/financial-life\/emergency-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">online calculator<\/a> to figure out what these numbers would be for you.)<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"535\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2.png\" alt=\"Most financial advisors recommend having three to six months' worth of living expenses saved in an emergency fund.\" class=\"wp-image-358598\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2.png 1535w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-300x105.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-600x209.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-768x268.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-450x157.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-900x314.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-2-1400x488.png 1400w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/figure>\n\n\n\n<p>Keep in mind that you should consider saving additional\nmoney if:<\/p>\n\n\n\n<ul><li>You\u2019re retired<\/li><li>Your income isn\u2019t stable<\/li><li>You\u2019re in a one-income household<\/li><li>You or a family member has chronic poor health <\/li><\/ul>\n\n\n\n<p>If you\u2019re like many people, the idea of having a sufficient\nemergency fund in place might seem like a far-off dream. It can sometimes be\nhard to dedicate your resources to something that you think you might never\nneed, especially when it feels like you\u2019ll never reach the amount of money you\u2019re\n\u201csupposed\u201d to have set aside. <\/p>\n\n\n\n<p>But <strong>it\u2019s always better to have something rather than nothing<\/strong>, even if that something is only three digits. Two economists even <a href=\"https:\/\/www.cnbc.com\/2019\/10\/18\/minimum-amount-of-money-you-need-in-an-emergency-fund.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">suggest<\/a> that having a minimum of $2,467 saved could be enough to keep you out of financial hardship, which might feel like a more attainable goal.  Whatever you decide your target amount is, keep your eyes on the prize and don\u2019t get discouraged, even when progress seems slow. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick Ways to Build an Emergency Savings<\/h2>\n\n\n\n<p>There might not be a get-rich-quick scheme for your savings,\nbut there are a few relatively simple ways you can start building your\nemergency fund:<\/p>\n\n\n\n<ul><li><strong>Create a budget and stick to it.<\/strong> See where you can cut spending, and remember to pay yourself first\u2014treat your savings as another bill that you have to pay instead of waiting to see what you have left after everything else has been taken care of. Having money directly deposited into your emergency account can help with this.<\/li><li><strong>Save things like your tax refunds and work bonuses. <\/strong>Putting \u201cextra\u201d money that you haven\u2019t accounted for into your emergency fund could be easier for you than taking money out of your regular paycheck.<\/li><li><strong>Adjust your contributions when necessary. <\/strong>After a few months have passed, reassess your savings plan. Has anything changed in your life, such as moving to a new city or having a child? You may want to put more money in your emergency fund.<\/li><li><strong>Do some extra work. <\/strong>Not everyone has the time or energy to take up a side hustle, but if you can do it for even a short time to supplement your savings, it could be worth it. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How Should I Use My Emergency Fund?<\/h2>\n\n\n\n<p>Once you have an emergency fund (of any size) in place, you\nshould make sure to <strong>use the money only\nfor true emergencies<\/strong>. That means you don\u2019t dip into it for events you can\nplan for in advance\u2014like birthdays or annual checkups\u2014or things like vacations.<\/p>\n\n\n\n<p>Finance writer Rachel Cruze <a href=\"https:\/\/www.daveramsey.com\/blog\/quick-guide-to-your-emergency-fund\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">recommends<\/a> asking yourself these things to determine whether something is worth using your emergency money for:<\/p>\n\n\n\n<ol><li>Is it unexpected?<\/li><li>Is it necessary?<\/li><li>Is it urgent?<\/li><\/ol>\n\n\n\n<p>If you answer yes to two or three of these questions, then it is likely an appropriate time to withdraw money from your emergency fund. Then, as soon as you can, you should start replenishing your savings again. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where Should I Put My Emergency Fund?<\/h2>\n\n\n\n<p>When we talk about keeping an emergency fund somewhere, we don\u2019t mean in a physical location\u2014we recommend you put your emergency money in <strong>an account that is accessible, safe and interest-earning.<\/strong> It should also be separate from your other accounts, so it\u2019s easier to leave it untouched. <\/p>\n\n\n\n<p>There are a couple of ways you can fulfill these criteria. Scott Smith, former president of CreditRepair.com, <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/blog\/savings-and-investments\/stash-emergency-fund\/\" target=\"_blank\">says<\/a>, \u201cThe best place to store emergency cash is usually a money market account. Most major banks and local credit unions have great money market options.\u201d These accounts usually have slightly better rates than standard savings accounts. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"535\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3.png\" alt=\"Put your emergency money in an account that is accessible, safe and interest-earning. It should also be separate from your other accounts so it's easier to leave it untouched.\" class=\"wp-image-358599\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3.png 1535w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-300x105.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-600x209.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-768x268.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-450x157.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-900x314.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/07\/Asset-3-1400x488.png 1400w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/figure>\n\n\n\n<p>However, a savings account is still an option you can consider if you\u2019d prefer to stick with a bank you trust and are familiar with. Most savings accounts earn very little interest, but there are FDIC-insured high-yield savings accounts you can look for.  At the end of the day, creating and maintaining an emergency fund takes work, but it\u2019s worth it. When you have money set aside for a rainy day, you: <\/p>\n\n\n\n<ul><li>Can <a href=\"https:\/\/www.creditrepair.com\/blog\/uncategorized\/emergency-expenses-that-affect-credit-health\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">better protect your credit<\/a> <\/li><li>Can have greater peace of mind overall<\/li><li>Can avoid going further into debt when an emergency happens (or at least reduce how much you need to borrow)<\/li><li>Can prevent yourself from making bad financial decisions under stress<\/li><\/ul>\n\n\n\n<p>To get these benefits, make a plan and start contributing to\nan emergency account today. Every little bit helps\u2014and your future self will\nthank you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you want to feel more financially secure, a good first step would be creating an emergency fund. <\/p>\n","protected":false},"author":53,"featured_media":358499,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[574],"tags":[166,180],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Emergency Fund\u2014How Much Should You Save? - CreditRepair.com<\/title>\n<meta name=\"description\" content=\"If you want to feel more financially secure, a good first step would be creating an emergency fund.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Emergency Fund\u2014How Much Should You Save?\" \/>\n<meta property=\"og:description\" content=\"If you want to feel more financially secure, a good first step would be creating an emergency fund.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-08T22:38:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-10T16:46:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_header.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CreditRepair.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_header.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/AdobeStock_188566738_header.jpg\",\"width\":640,\"height\":420,\"caption\":\"A woman budgets on her laptop.\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/\",\"name\":\"Emergency Fund\u2014How Much Should You Save? 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