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Why do you need emergency cash? Well, the question has the answer in itself – for emergencies. If you don’t have emergency money and are hit by any of the unforeseen events listed below, you’ll be forced to rely on credit cards, take out a loan or tap your retirement account. This could leave you drowning in debt or without enough money to fund your retirement. So make sure you start saving to have emergency cash for these situations.

Job Loss

It is the hard truth of life, and we all face this at some point in our lives for different reasons. Some switch to better jobs while some are fired. This is usually listed as the primary reason you need urgent money and for good reason. You have to have a stash of cash to pay for things if you’re no longer receiving a regular paycheck. The old rule of thumb called for enough savings to cover three to six months’ worth of expenses. But with the average length of unemployment lasting about 40 weeks, you’ll probably want to build a bigger reserve. Here an article for your job reference.

Single and/or Limited Income

If you only have one source of income, you earn less, or both, it is essential to have substantial emergency cash. This can help you get through an unexpected job loss or illness that keeps you from working. If you are single or if you are the sole income provider in your family, you should work on having a year’s worth of expenses saved up. If you are just starting a family, you may need to increase your emergency cash. If you are single, work on building up your emergency fund as quickly as possible.

Home Renovation

You have insurance to cover the major expenses. But if you have a high deductible, could you come up with the cash to cover it? When you own your home, you will have to pay for all of your repairs and upkeep. Although you should save a considerable amount as emergency money to cover remodeling and most repairs, you may have unexpected costs like a plumbing repair or air conditioning repairs. Home repairs can be expensive, as is replacing an air conditioner or furnace. Try setting up funds to save for these expenses before they occur. Your emergency money can help you handle these costs and make owning your home just a bit less stressful. All these expenses can go from the savings so that your current budget doesn’t get disturbed.

Health Issues or Diseases

A serious medical condition can cause you to max out your deductible each year. You may have routine tests that add up quickly. You may also use all of your sick leave and end up taking days off with no pay. Your emergency cash can help offset this. Medical issues can be expensive, and insurance companies may not pay everything that you expect them to pay. Well-Funded emergency cash can help you deal with these costs and make it easier to get through these challenging times.

Emergency Pet Care

If you can fall sick, so can your pet. But the difference is that your pet can’t pay for itself. You need to save up for your pet’s health-related emergencies too. You may be able to accommodate the regular expenses of owning a pet. But would you be prepared to shell out thousands of dollars if your cat or dog needed surgery? Make sure that you have separate emergency money for your pet so that all your pet-related surprise costs can go through this fund.

Unexpected Travel

A death in the family or some emergency back at your home could force you to purchase last-minute plane tickets at an exorbitant price to get somewhere. You don’t want this big expense lingering on your credit card bill, racking up interest. But you wouldn’t have to worry about it if you had enough cash in emergency money to pay your bill quickly. Without thinking twice, you can use your emergency money to pay for the tickets and be with your loved ones when required.

Funeral of Loved Ones

Another sad reality is that people come and leave us. But after they are gone, we have to look after the formalities and funeral costs. Many funerals cost more than SGD 10,000. If your loved one had life insurance, the benefits you receive could cover the cost, but it could be months before you actually get the money. So you need a source of cash to start making payments in the meantime.

Make sure you cut down on your unnecessary expenses, save more cash, make short-term investments, save up your incentives and bonuses, and lower your bills to save for this emergency fund. Ideally, your emergency fund should be 3-6 months of expenses. That sounds like a lot, and it is but keeps in mind, that when you lose your job or face a major difficulty, this money will be your only support. So be smart and save more.

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