Use this when you want a safety net but do not know how big it should be. It works out a first goal and a longer one from your own numbers and shows how long each would take.
Help me build an emergency fund. Monthly take-home income: [AMOUNT] Essential monthly costs: [RENT, FOOD, UTILITIES, TRANSPORT, MINIMUM DEBT PAYMENTS] Savings I have now: [AMOUNT OR NONE] What I can save each month: [AMOUNT] Explain in plain language what an emergency fund is for. Work out a first goal of one month of essential costs and a longer goal of three to six months. Show a month-by-month timeline for each, and suggest three realistic ways to find extra money. Remind me this is general information and not personal financial advice.
Tip: Use rounded numbers. You do not need account details for a plan like this.
Before you send it, replace the parts in [square brackets] with your own details:
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