How much do you have in your emergency pot?

Approx 500 but have just spent 3k on a new boiler. Some credit card debt that should be much more manageable in about 12months!!!

I have around £10K as easy access, the rest locked up in longer term investments etc.

(Edit to add relatively low £30K salary by MN standards).

Not a penny!

We’re considered mid earners and have c.£12,000 - a bit uncomfortable it’s not more, but we are trying to save gradually.

£500, and my mum has it for me.

Our 'oh shit fund' is 5k on the basis that it would be enough to replace most big things that could go wrong ie roof boiler car etc

2,688.02 in my savings account
407.91 in my penny savings ive been doing all year(this cant be touched till next jan)
291.16 in my change pot (been rounding up my transactions since feb)
515.51 for the rest of my christmas shopping.
81 in my pound coin jar
no credit cards

so all in £3983.60 if i needed it

in reality if you asked id probably only count the savings account so about 2.5k

£1000 but £1000 on a credit card and a car loan, so less that nothing......far less.

At least I could sell the car and buy a tricycle.

In the ideal world 2k and a credit card covers most emergencies. The biggest car repair bill was 3.5k so the savings went and the card was used. I have done that twice now and I'm fairly confident on my frugal recovery plan to pay off the card. Ie but nothing. Use up everything existing before buying new.

A new roof or boiler is too big to budget for and very rare. I'd got a loan against the mortgage. New car would be zero or low interest finance. Even £300-£600 could cover a new white good.

But if you don't have it, you just don't have it. We only fix stuff. There's no decoration etc for the sake of it. Monzo pots is a good way to save up slowly I find

£90 😬

But we have plenty to cover bills/food shop etc.

I also have about £18,000 available credit spread across 2 cards and very little debt.

Currently about £2.50 😆

I have a grand sat in savings but I've a credit card to pay off that's at the emd of the interest free term so it'll be going into that next month, and I'll be back to £2.50.

I've let my spending get a bit out of hand so I need to really budget again and sort it, bonus is I live in a flat so any big repairs are not just mine. I do stress a bit that I don't have savings at times, but all my bills are covered and still got the credit card for emergencies

I did have £900 but my car has today cost me £750….

£1000 emergency fund, and another £1000 that was going to be towards paying off our debts (we are doing the Dave Ramsey plan) but is now going to have to go towards some expensive private dental treatment I need 😓

So frustrating, feel like every time I take one step forward we take two steps back.
First it was the car dying a death when we didn't even have one emergency fund so we had to take a loan out to buy a new cheap runaround. Next it was my bloody teeth.

Dreaming of the day I'm debt free, with a healthy savings pot and I don't have to constantly worry.

What would be useful is the approx age of the person and number of dependants if you want a genuine comparison.

3 months bills and expenses and a credit card with a huge credit limit 🙂

Just a credit card

nursery life will end in 3 years i guess and can save again then…

Still not where I want it to be.
Spent 10k on unplanned roof repair last year and 2k on the electrics the year before that. Year before that was the boiler (it broke on my due date!) plus the car, too. Ended up selling the car to pay for the boiler!
Savings have taken a battering the last few years!

I’ve got 300 saved for Christmas (so far). And that’s all. Every time I manage to save a bit up, something comes up that needs to be paid.

About 1k but we have just come out of 4 years of huge nursery bills (over 1k a month).
We also are still slowly updating our house.
I'm trying to get out of living month to month.
We both earn 40k.

£5,000 plus an emergency credit card but the savings are really earmarked for an overseas trip in January, so ask me then what I have in savings and the answer will be nothing.

I bought my first house a couple of years ago and I can’t really afford to save much.

I bought my house 18 years ago and only this year do I have an emergency fund which covers 4 months of basic living costs (8k for us)

Before now, there was a mortgage to pay, our salaries weren't as high, house needed work, uni needed paying for...

If you can save up for a £1k emergency fund when you're in the trenches, you're doing brilliantly

Nothing! We also have credit cards to pay off this month and I'm on maternity leave. We can't even afford to buy a pot to put the emergency money in 😅

About £1000 as like you keep finding things that need to be done in the house that take it away.

Same here & I have £450 put aside for Christmas & 1 DC birthday, I also have 5k of debt.

2k in savings but I also have 1k on credit card so...!!!