If you’re living on minimum wage, you might not think you can afford to set aside money each month in an emergency fund. But would you be able to afford an unexpected cost without savings?
“The thing that keeps you out of debt is to find room in your budget to grow your savings,” McClary said. You won’t be able to build your savings quickly, but if you can stash away a little each month, you can fall back on your emergency fund rather than go into debt when something unexpected happens.
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