<div style="page-break-before:always; page-break-after:always">1 How much do you need?It&rsquo;s important to build up an emergency savings fund to prepare for the unexpected, whether that&rsquo;s your car breaking down or a drop in income. A rough guide for the ideal sum to have saved is the amount you&rsquo;d need to cover three months&rsquo; essential outgoings. So if you spend &pound;1,000 a month on mortgage or rent, food, bills and other things you can&rsquo;t live without, aim for &pound;3,000 in emergency savings. But if this figure seems unrealistic, don&rsquo;t be daunted by it. Even having just a small amount saved can help you avoid taking on debt if you face unexpected costs.2 How much can you save? Work out how much you can afford to save each month. Go through your income and spending and see where you can cut back; there&rsquo;s a useful budget planner at moneyadviceservice.org.uk. Also, see if you can save on bills. For example, could you cut the cost of your energy bill by switching suppliers? This could be extra cash for your pot. Once you know how much you can afford to put away each month, try setting up a standing order that automatically puts money into your savings account each month to help you achieve your goal.3 Remember it takes time While you&rsquo;ll want to get your emergency fund set up as soon as possible, like with all savings, it&rsquo;s best to keep to what you can afford and make sure to save regularly. Saving smaller, regular amounts are often more effective than saving larger amounts now and again. This is because you get into the habit of saving but also avoid overcommitting too much money. It can help you budget more effectively too. If this isn&rsquo;t possible, save what you can as regularly as you can. Every bit of cash saved makes a big difference to your overall sense of financial wellbeing.

3 Ways To Build Up Your Rainy Day Fund

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