No emergency fund? Here are 21 tips that will help you get started. [Zen Habits]


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  1. blitzcat says:

    I didn’t see this mentioned…

    Many people get paid by their employer every two weeks, so usually thats 2 paychecks per month, 10 months of the year. So you are already forced to budget expenses on a 2 paycheck-per-month cycle.

    The other 2 months are when there are 3 pay cycles, I dump the ‘extra’ paycheck into savings or retirement. Easy.

  2. mrmysterious says:

    I’d like to within a year or two manage to get the magical 3 months salary saved up….we’ll see what we can do between the two of us.

    Three months salary sitting in a bank seems like such a daunting task, but I know if we manage to achieve this it will allow us the ability to have something to help float us through any turmoil in our lives.

  3. acambras says:


    Great point. That “third check” is often bigger, too, if deductions for health insurance aren’t taken out.

  4. tracer333 says:

    my personal rule of thumb was to save up three months worth of bills, vice actual salary. i suppose 6 months salary would be a better goal.

    i guess dropping all of my savings for the down payment on that new car i sprung for a few weeks ago was a shite move. and the $5k for that CISSP training course next week, tho that’s more of an investment. good thing those two things are my only debt.

    i can’t begin to fathom the logistics of one car for a family of 8. i can see its utility if they live in NYC or SF or maybe DC, but anywhere else would be pretty hard.