Most money problems start with a surprise: a hospital bill, a job loss, a broken phone, a family emergency. Without savings, the only options are borrowing or selling something, and mobile loans make a small problem expensive very fast.
An emergency fund is money you keep aside only for real emergencies. It is not for holidays, school fees you knew were coming, or a sale. It buys you time and calm when life happens.
People with even one month of expenses saved are far less likely to borrow at high interest. You don't need to save it all at once. You just need to start.
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