Build Your First Emergency Fund

Everyone says have an emergency fund, nobody says how much or where to put it. This walks through it from zero: what the fund is actually for, the three-months rule and why it suits beginners, and where to keep it so it's reachable but not raidable. For anyone starting out who wants a buffer between them and the next surprise bill.

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You are starting out financially and want to build a small financial safety net but are not sure how much to aim for or how to get started.
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**Walk through building an emergency fund from scratch:**
1. What an emergency fund is for and what it is not for
2. How much to aim for: the three-months rule and why it works for beginners
3. Where to keep it: accessible but separate from day-to-day spending
4. How to build it without feeling deprived: small automated transfers
5. When it is full: what to do next with surplus savings
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- Numbered guidance per step (50-70 words each)
- Worked example: how long it takes to build GBP 1,000 saving GBP 50 per month
- Length: 350-420 words
- Tone: motivating and practical
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