Why Emergency Funds Matter to Me

 Why Emergency Funds Matter to Me

🚫 Definitely, there is no way I am going to skip this 1st step on how to be financially responsible & this time, nothing's gonna stop or halt or stall me from creating one.

📖 A little back story.

😖 The word emergency has always left a dull taste in my mouth whenever I hear it. You know that mindset — why would I anticipate an “emergency” in my life? I was that person for many years. This became my excuse to save for almost anything, except an emergency fund.

💭 To be fair, my financial goal has always been a transformation — like it went all over the place:

• ⬅️ to the left

• 📈 from false peak

• 📉 back down

• 🔁 then back down and starting over again

& it's impossible to describe it, I think I have tried a bunch of approach in finances. So for the sake of this story, let us just put it that way.

✨ My ultimate goal for saving back then was never really an emergency fund. What I wanted is the usual financial freedom that everybody talks about.

🧠 But over time, I started to accept that financial freedom doesn’t happen overnight. It happens through a series of steps — and one of the first steps that many people agree on is building an emergency fund.

🙅🏽‍♀️ Still, because I disliked the word emergency so much, it took me a long time to fully accept the idea. I even tried renaming it at one point — I forgot what I called it back then, but I clearly remember giving it a nickname just so I could feel better about saving for it 😅.

📱 More recently, I came across someone online who shared a perspective that finally clicked with me. Instead of calling it an emergency fund, she called it a “gap.”

🚫 Not an emergency —👉🏽 a gap.

💡 Her logic was simple:

• the bigger the gap between your money and your expenses, the safer you feel

• the more months of expenses you can cover in advance — three months, six months — the richer you feel internally

✨ Brilliant isn't it? Now you are not expecting for something bad to happen. It’s now about you know you are covered in advance. Like I feel rich that way, I can take care of the future expenses — hair flip 💁🏽‍♀️.

🎉 I was pretty proud of myself for finally seeing it that way 😄.

🌱 That inner resistance I had for years slowly disappeared, and for the first time, I felt excited to save for my emergency fund. For me, the bigger the gap, the better 😊.

🙏 I still have a lot to work on, but I’m genuinely grateful that I finally started building my emergency fund during the 2025 holiday season 🎄. That alone feels like real progress.

💌 That’s it for now — thank you for reading all the way through.

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