{"id":1450,"date":"2023-10-10T13:37:01","date_gmt":"2023-10-10T13:37:01","guid":{"rendered":"https:\/\/first-exchange-bank.flywheelsites.com\/?p=1450"},"modified":"2024-03-18T13:08:58","modified_gmt":"2024-03-18T13:08:58","slug":"how-much-should-be-in-an-emergency-fund","status":"publish","type":"post","link":"https:\/\/www.firstexchangebank.com\/how-much-should-be-in-an-emergency-fund\/","title":{"rendered":"How Much Should Be In An Emergency Fund?"},"content":{"rendered":"<p>A little less than half of American adults have three months\u2019 worth of living expenses saved,\u00a0<a class=\"external\" href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\">according to a 2023 report\u00a0<\/a>on emergency savings. If you find yourself in that group, you may wish you were better prepared to deal with unexpected expenses. There are many benefits to building an emergency fund, including breaking the paycheck-to-paycheck cycle and not having to use debt to cover a large cost. In this article, we\u2019ll help you figure out how much you should save, and how you can reach your goal.<\/p>\n<p>&nbsp;<\/p>\n<h2>What is an Emergency Fund?<\/h2>\n<p>An emergency fund is a\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\">liquid savings account\u00a0<\/a>to be used only in the event of a pre-defined crisis. Liquid means that you can access your emergency savings whenever you need to, instead of having them tied up in investments or a\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\/Certificates-of-Deposit\">CD<\/a>\u00a0account.<\/p>\n<p>\u201cKnown unknowns\u201d is another way to think about emergencies. Most of us will face a car or home repair, trip to the ER, or job loss at some point. We don\u2019t always know when\u2013that\u2019s the \u201cunknown\u201d part\u2013but we can anticipate what the \u201cknown\u201d.<\/p>\n<p>The primary benefit of maintaining an emergency fund is that it prepares you for these known unknowns. Since you\u2019ve already set aside money, you won\u2019t have to go into debt or pay a penalty to withdraw money from your retirement account to cover a large unanticipated expense.<\/p>\n<p>It\u2019s helpful to think through what counts as an emergency in advance. That way you can avoid withdrawing money from your emergency fund to cover non-essentials. Examples of emergencies include:<\/p>\n<ul>\n<li>Job loss or, if self-employed, a reduction in income<\/li>\n<li>Medical bills from a serious illness or injury<\/li>\n<li>Large ($500+) car or home repair that needs to be done ASAP<\/li>\n<li>Sudden need to travel to visit a sick relative or attend a funeral<\/li>\n<\/ul>\n<p>Make your own list based on what makes sense for your life. For example, if you have pets you may want to include large vet bills on your list of known unknowns.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-1452\" src=\"http:\/\/firstexbank.wpengine.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog1.jpg\" alt=\"\" width=\"825\" height=\"320\" srcset=\"https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog1.jpg 825w, https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog1-300x116.jpg 300w, https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog1-768x298.jpg 768w\" sizes=\"(max-width: 825px) 100vw, 825px\" \/><\/p>\n<h2>How Much Savings Should Be In An Emergency Fund?<\/h2>\n<p>The answer to this question will depend on your specific situation. For example, a single person might not need to save as much as a family of four.<\/p>\n<p>A good rule of thumb is to save at least three to six months\u2019 worth of expenses. If you can aim for a year, that\u2019s even better, especially if you are self-employed or work in a volatile industry.<\/p>\n<p>To determine how much you need in your emergency fund, take stock your lifestyle, fixed expenses, and spending habits:<\/p>\n<ul>\n<li>Conduct an\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/About-Us\/News\/yearly-financial-checkup\">annual financial check-up<\/a>\u00a0to get a \u201cbig picture\u201d look at your finances.<\/li>\n<li>Review your monthly budget (or\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/About-Us-News\/create-budget\">create a budget<\/a>\u00a0if you don\u2019t already have one).<\/li>\n<li>Determine your essential monthly expenses such as housing, utilities, food, health care, debt payments, transportation, and personal expenses.<\/li>\n<li>You don\u2019t need to save for discretionary spending such as dining out, vacations, or entertainment. These things can always be cut if needed.<\/li>\n<\/ul>\n<p>Once you know how much money you spend on necessities each month, multiply that by three or six. That\u2019s your emergency savings goal.<\/p>\n<ul>\n<li>Consider these situations in which you may want to save more than 3-6 months of living expenses:<\/li>\n<li>You work in a high-risk industry where layoffs are common.<\/li>\n<li>The economy is currently in a recession with higher unemployment.<\/li>\n<li>Your job isn\u2019t salaried; your income is less predictable.<\/li>\n<li>You\u2019re retired and living on a fixed income.<\/li>\n<li>You have a large family.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>How To Get Started With An Emergency Fund<\/h2>\n<p>Big goals can feel overwhelming, so start small with a goal of saving $500 or $1,000. Hitting that first milestone will give you momentum to continue saving. If you already have something in your emergency fund, but you haven\u2019t reached your target yet, follow these tips to build your rainy day fund.<\/p>\n<ul>\n<li>Set a monthly savings goal for the amount you need to contribute each month in order to reach your ultimate goal in __ amount of time. For example, if your goal is $6,000 and you want to reach it in a year, you\u2019d need to save $500\/month.<\/li>\n<li>You may need to adjust your budget in order to reach your monthly savings goal. Look for expenses you can cut, such as eating out or subscriptions.<\/li>\n<li>However, you don\u2019t want to stop paying down debt or contributing to your retirement account in order to put money into your emergency savings.<\/li>\n<li>If need be, revise your monthly savings goal to a more realistic and doable amount.<\/li>\n<li>Keep your emergency fund separate from your other savings accounts, such as a\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\/Christmas-Club\">Christmas Club<\/a>, so you can stay on track with your different savings goals.<\/li>\n<li>Automate your emergency fund savings by scheduling recurring transfers from your checking account.<\/li>\n<li>If you have a First Exchange Bank debit card, sign up for\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/personal-banking\/credit-cards\/\">Round Up<\/a>! Round Up from First Exchange Bank allows debit cardholders to round up every point-of-sale transaction to the next dollar (or dollar increment), and deposit the extra amount to your First Exchange Bank savings account that is linked to your debit card.<\/li>\n<li>Save any little windfalls you receive such as a bonus, tax refund, inheritance, or gift money.<\/li>\n<li>Don\u2019t tap your emergency fund unless it\u2019s a true, pre-defined emergency.<\/li>\n<li>Review your emergency savings account periodically to ensure you are on track to reach your goals. If need be, you may need to cut some expenses to get up to speed or postpone a big splurge like a vacation or home renovation.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-1454\" src=\"http:\/\/firstexbank.wpengine.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog-2.jpg\" alt=\"\" width=\"825\" height=\"320\" srcset=\"https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog-2.jpg 825w, https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog-2-300x116.jpg 300w, https:\/\/www.firstexchangebank.com\/wp-content\/uploads\/2023\/10\/emergency-fund-blog-2-768x298.jpg 768w\" sizes=\"(max-width: 825px) 100vw, 825px\" \/><\/p>\n<h2>What is A Good Emergency Savings Account?<\/h2>\n<p>It\u2019s best to keep your emergency savings in an FDIC-insured bank account where it can earn interest but is still accessible when you need it. Browse our\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\">personal savings account\u00a0<\/a>options, including our\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\/Money-Market\">Money Market Account<\/a>\u00a0which rewards your higher savings balance with higher interest.\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\/Certificates-of-Deposit\">Certificate of Deposit\u00a0<\/a>accounts also offer a higher-than-average interest rate, but if you need to withdraw money before the maturity date, you\u2019ll be subject to a penalty. Once you have a healthy emergency savings balance, you could invest some of it in a CD, to help grow your nest egg, while keeping the rest liquid in case you need it.<\/p>\n<h2>Start Saving For A Rainy Day!<\/h2>\n<p>Imagine your life with less financial stress and worry. All because you have emergency savings to deal with whatever life brings. During periods of high inflation, it\u2019s especially helpful to have that cushion to deal with rising expenses. Failing to prepare for an emergency can have devastating consequences. So, what next step can you take to get closer to your rainy-day fund goal? If you haven\u2019t started yet,\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/Personal-Banking\/Savings\">open a new savings account<\/a>\u00a0for emergencies today!<\/p>\n<p>Looking for more financial resources from your North Central West Virginia community bank? Check out these blog articles on\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/About-Us-News\/financial-resolutions\">9 Financial Resolutions To Make This Year<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.firstexchangebank.com\/about-us-news\/teach-kids-financial-responsibility\">Fun Ways To Teach Your Kids Financial Responsibility<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A little less than half of American adults have three months\u2019 worth of living expenses saved,\u00a0according to a 2023 report\u00a0on emergency savings. If you find yourself in that group, you may wish you were better prepared to deal with unexpected expenses. There are many benefits to building an emergency fund, including breaking the paycheck-to-paycheck cycle [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1451,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Should Be In An Emergency Fund?<\/title>\n<meta name=\"description\" content=\"In this article, we\u2019ll help you figure out how much you should have saved for an emergency , and how you can reach your goal.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.firstexchangebank.com\/how-much-should-be-in-an-emergency-fund\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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