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Many of us who think that the importance of emergency funds is irrelevant to the people who have a steady income, good employees, vendors or even a student or students who receive regular pocket money every month. On the way home there heavy rain and strong winds that become crowded road conditions, traffic, and large trees uprooted. At that moment, a friend and his car hit a fallen tree.

One vehicle accident, a friend, fell on the way to work, just walk across the street and walk on the sidewalk can cause emergency situations that make us vulnerable. Many circumstances or conditions around us that can lead to emergency situations that make us vulnerable. You may say to me, I had an accident and health insurance. Have you ever counted, enough? Well let’s say accident and health insurance cover enough current events.

Or, you may tell me you have savings.

Saving
What is your goal to save? …. want to vacation for Lebaran, Christmas, birthday, or to pay for home improvements. I hope you have a good budget for the post-essential expenditure. It does not matter much or little money you have, you open a separate account at a bank different from the account your income and put it in there.  Many people go through difficult times like this, maybe even be forced to sell some stuff just to keep any food on the table.

Saving is a different thing by providing emergency funding.
Consider the sometimes difficult circumstances that come suddenly in the last few years, can you see how much damage occurred and may occur we really run out ? Is there someone who you believe can, provide assistance to come to us if our situation is really tough? Well, if your savings fund used to pay hospital fees and workshop for example. At least you will lose one or a few moment of your goals in saving money. Is it a holiday or home improvements.

If you have not saved money for emergency fund, you must start today. Keeping these things in mind, you might say to yourself, “there’s no way I have all the money to set up an emergency fund, save for one very forced escape from routine. No charge, but you really have to find ways to save some as often as possible for emergency funds. Did not realize the importance of emergency funds is a necessity, is it already too late. You need emergency funds to keep your family safe for some time in the future.

After the Emergency Fund has been prepared, then we can just start saving.
You have a real action. You will collect money and budget for the purpose of each. Once these costs incurred in each time you start again allocate fresh money. With the running of time, which increases your fixed income or expenditure increases your routine too much, for example, then slowly you will increase or even decrease your savings. That means, .. want to vacation Lebaran, Christmas can be celebrated if was out of town, will be out of the country or, birthday was at home at home can eat, to pay for home improvements from one floor to two floors, and so on.