An emergency fund is about breathing room. Start by listing essential monthly costs like housing, food, utilities, transportation, and insurance. Open a separate savings account so you are not tempted to spend it, then automate a small transfer each payday. Consider funneling windfalls like tax refunds and cash-back into the account, and review the amount quarterly. Even $25 a week adds up to $1,300 in a year, and makes unexpected bills feel manageable.  | Kemba Credit Union | Facebook

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