Step-by-step: £500 → 1 month → 3 months An emergency fund is cash you can access quickly when life happens: a broken boiler, urgent travel, a car repair, or a sudden drop in income. It’s not glamorous — but it’s one of the strongest “stress reducers” you can build. In the UK, a common rule … Continue reading Beginner’s Guide to Building an Emergency Fund (Even on a Low Income)