Safety net
Fast-track your emergency fund
The goal: 3–6 months of expenses in an easy-access savings account. Here’s a plan to get there sooner.
Illustrative path
Month 1
£500
Month 3
£1,500
Month 6
£3,000
Celebrate milestones rather than waiting for perfection.
Automate contributions
Move a fixed percentage of income into a high-yield savings account every payday.
Leverage windfalls
Tax refunds, bonuses, and marketplace payouts should hit the emergency fund first before lifestyle upgrades.
Rename the account
Label it “Do Not Touch” or similar so both you and your banking app treat it differently from everyday savings.