An emergency fund is your buffer against surprise expenses, and you can start one even on a small income.

• Start with a micro-goal: Aim for one week of essential expenses first, then build toward one month.
• Automate small transfers: Even a few dollars per paycheck adds up faster than you expect.
• Use windfalls: Tax refunds, bonuses, or gifts go straight to the fund.
• Keep it separate but accessible: A high-yield savings account is ideal — liquid, but not tempting to spend.
• Define what counts as an emergency: Job loss, medical bills, or urgent repairs — not sales or vacations.

Consistency beats size. A fund that grows every month will protect you far better than waiting until you can save a large lump sum.