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On financial pyramid, preparing emergency funds is a basic need that must be fulfilled first. The amount of emergency funds that must be owned is minimum 3x monthly expenses (without dependents). When you are married, has dependents, or has a business then the number of your emergency funds has to be bigger, minimum 6x to 12x monthly routine expenses.
Emergency funds are not free funds! You are not allowed to use emergency funds as spree funds or just to fulfill a desire. Emergency funds are used if there are urgent needs which are not recorded in the monthly post such as additional hospitalization costs, buying sparepart of damaged vehicles or the need to visit relatives who are married out of town.
Then, how to start preparing emergency funds in order to be used 24/7? Evaluate immediately by answering there 3 questions below :
1. How much do You Have and How much Less?
Evaluate quickly. Recheck how much total funds you already have in bank product or investment product that are liquid. And then, recalculate the minimum number of emergency funds that you must have.
For instance, your emergency funds need is 30 million. Currently have liquid fund in saving of 10 million, so emergency funds that you have to collect again is as much as 20 million.
2. How to Collect it?
If it is not possible to collect 20 million in one time, then include it on your monthly financial post for the next few months until the emergency funds target is achieved.
Just set aside 5-10% from monthly income so the other posts are not disturbed. Remember! Emergency funds must be fulfilled first then you can jump to learn the other types of investment.
3. Where to Save?
According to the name, emergency funds must be ready any time you need it. So, choose liquid bank product. It means, the funds can be withdrawn or disbursed at any time, even it is better to be given a facility of free fee so your emergency funds does not decrease in amount.
Talking about emergency funds, it is best to use DepositoGo. With a minimum of 8 million only, you have a chance to get deposit interest up to 5%! Even it is more fun because you are free from administration fee and penalty if you want to withdraw funds at any time. Deposits becomes easy, DepositoGo.
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