Build a 3-Month Emergency Fund Fast

You want a three-month cushion and a monthly surplus that ranges from thin to nothing. This sizes the target against your real essentials, then builds an accelerated plan to get there from wherever you are now. It suits anyone exposed to one bad month. You get a target figure and a route to it that accounts for the obstacle that has stopped you before.

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You want to build a 3-month emergency fund. Your monthly essential expenses are approximately {MONTHLY_ESSENTIALS}. You currently have [current savings amount] saved. Your current monthly surplus after all expenses is approximately [describe: e.g. nothing / £X / unpredictable]. Your main obstacle to saving has been [describe].
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<task>
**Design an accelerated emergency fund plan**:
1. Calculate your exact target: 3 months of essential expenses only (not total spending)
2. Identify the fastest realistic timeline given your current surplus
3. List 5 specific actions that would increase your monthly saving rate without major lifestyle changes
4. Recommend where to keep the emergency fund (accessibility vs earning interest trade-off)
5. Define the rules for when you are and are not allowed to use the fund
</task>

<output_format>
- Target calculation (specific number)
- Timeline projection (months to target at current and improved rates)
- Five saving rate actions (bullets, specific and realistic)
- Recommended account type with rationale
- Usage rules (3-5 bullets: what counts as an emergency, what does not)
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