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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How much do you have in your emergency pot?

231 replies

brownbearbrownbear123 · 17/10/2025 22:35

Modest incomes only please! Kindly, I don’t need to hear that you’ve got £20,000 stashed away for a rainy day. Id love to hear from low/mid range earners please.
how much do you have saved for emergencies?
we bought our home 5 years ago and we seem to be spending any little savings we make on things that need doing to the house, I feel like we’re never going to get anything saved for emergencies and it makes me so so anxious.
im constantly worried that we’re going to be hit with a big repair bill for the house, like new roof, new boiler etc and it fills me with dread that we don’t have the cash in case this happens.
can anyone make me feel a bit better and let me know I’m not alone on this?

OP posts:
Neodymium · 17/10/2025 22:39

I’m in Australia, I have between $15000 and $18000 it varies as I use it for car repairs ect. I deposit $400 a fortnight into it. It has just built up from that.

i would say middle incomes, I am a secondary school teacher earning $90k and husband is a contract manager earning $120k.

our exchange rate is 2 to 1 so my income would be £45k in your money.

we have a small mortgage and 3 children in private school.

Cheeseandquackers21 · 17/10/2025 22:39

What are you doing to your house? Ie are you updating and modernising or is it a need? I think its best to save first for emergencies and then when you have some to then make the house a bit nicer. Forgive me if i have it wrong.
I have £1000

USaYwHatNow · 17/10/2025 22:39

We had £12k recently but spent a fair amount on our do-er upper house. I'm also currently unpaid as at the tail end of a surprise mat leave 🤣 so just under £5k now.

Illbefinejustbloodyfine · 17/10/2025 22:38

Nothing. I have £450 set aside for Christmas and a credit card i can use for emergencies .

Single parent, 2 dc, going through an exoensive divorce

Wishingwelltree · 17/10/2025 22:38

HScully · 17/10/2025 22:36

1000 and an emergency credit card if necessary

The same

HScully · 17/10/2025 22:36

1000 and an emergency credit card if necessary