The Lazy Way to Build an Emergency Fund

Saving for “just in case” doesn’t have to be just another stress.

We all know we should have an emergency fund. But between rent, bills, and occasional splurges (hello, EOFY sales), it often falls into the too-hard basket.

Here’s how to build a buffer — even if your energy is running on 3% and your bank balance isn’t much better.

1. Set a realistic goal

Start with $500–$1,000. Not $10K.

You don’t need a full six-month safety net on day one. Start small. Build momentum. Celebrate early wins.

2. Separate your stash

Out of sight, out of swipe.

Open a dedicated emergency fund — separate from everyday savings. Rename it something clear, like “Don’t Touch This”.

3. Automate tiny transfers

Even $5 a week adds up.

Set up a recurring transfer. Doesn’t matter how small. The key is consistency, not perfection.

4. Funnel the unexpected

Tax refund? Side hustle? Sell your old bike?

Throw one-off income straight into your fund. It's found money — let it protect your future.

5. Treat it like rent

Non-negotiable.

Once you’ve got the hang of it, bump up your contributions slightly — just like a bill. It’s peace of mind, paid forward.

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