Saving
Build a cushion for emergencies, even a small one.
New to money stuff? Start with Money basics, a 10-minute guide.Why this matters
Surprise costs happen to everyone. A little money set aside means a car repair or a medical bill doesn't have to turn into debt. You can start with just a few dollars.
Lessons
- Why a small emergency fund mattersA few hundred dollars set aside can keep a surprise from turning into debt.2 minute read
- Ways to save when money is tightSmall, automatic steps that add up, even on a low income.2 minute read
- Where to keep your savingsWhy a separate, insured savings account is usually the safest place for your money.2 minute read
Tools
Common mistakes
Waiting until you can save a lot.
Instead: Start with $5 or $10. Small amounts add up, and the habit matters most.
Keeping savings in your everyday account.
Instead: Use a separate savings account, so it's not easy to spend by accident.
Feeling bad about using your emergency fund.
Instead: That's what it's for. Use it, then start refilling it.
Where to get free help
- 211
Call or text 2-1-1 for free, private help finding local programs for rent, utilities, food, and other bills.