An emergency fund is the cushion between a surprise bill and a debt. The usual target is three to six months of essential spending, but the first goal should be much smaller: one month.
Start by working out your essentials: rent or mortgage, utilities, food, transport, insurance and minimum debt payments. That number is your monthly baseline.
Then automate. Set a standing order for the day after payday so the money moves before you can spend it. Even a small amount builds the habit, and you can raise it every time your income grows.
Keep the fund in an instant-access savings account so it earns interest but stays within reach. Name the pot 'Emergency only' so you think twice before dipping in.
This article is general information, not financial advice.