21 Strategies for Creating an Emergency Fund, and Why It’s Critical

  1. Start small.
  2. Automatic deduction.
  3. Payroll deduction.
  4. Treat it as a bill.
  5. Reduce an expense, save it.
  6. Round up.
  7. Double purpose account.
  8. Tip yourself.
  9. Keep paying debt, but to yourself.
  10. Budget big for groceries, then save the difference.
  11. Quit smoking or drinking.
  12. Limit your access.
  13. Stash a bonus or tax refund.
  14. Save your change.
  15. Save dollar bills.
  16. Refinance.
  17. Sell your car. 
  18. Cut out dessert.
  19. Stay in.
  20. Freelance.
  21. Save on auto insurance.

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