Before you use the fund, ask: is it unexpected, necessary and urgent? If all three are yes, use it without guilt. That's what it's for.
After you use it, go back to saving the same amount until it is full again. Treat refilling like a bill.
Once your fund is full, keep saving the same amount, but towards your next goal: investing, a home, your children's education or retirement. You've built the habit, which is the hardest part.
Your next stepTrack it in a goal →