"Emergency fund" How much?

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I know it should be 3x the committed monthly outgoings (some even say it should be 3x monthly income) but there's genuinely no way we can save that much for the foreseeable future. Our current committed spending including repayments is of £4200 (or there abouts). We're thinking of then having £400 left for emergencies, £300 for unaccounted bills or top ops, and £500 for going out/general spending. Once we pay the credit cards (Apr 23), we'll be in a much better position of having other pots for Xmas, personal care, car fund, and holidays.

Yes that's the idea there are no quick solutions.

It's 2.5 years. When you pay off the debts, save that money. And try and reduce expenditure to save a bit more.

Step 3 is 3-6 months of expenses not income. I apologise.

Step 4 is pension and step 5 is pay of mortgage but it does depend on attitudes to spending and saving.

The idea is not to start saving (except the starter fund) until debt is paid off.

Given the times we're in, I'd save as much as possible as soon as possible.

Well my mortgage should be ok (I have another property) that can sell and be mortgage free. So it's either that or my pension, but once I'm mortgage free I'd add to a pension fund

Just to clarify Being mortgage free means finishing paying off the mortgage on the property you live in and continue to live in.

Not selling and paying off the mortgage on another property.

I'd suggest you have a look at the Martin Lewis website and the Dave Ramsey website. They are really good. Also consider what are unexpected bill and emergencies.

As PP said as much as you can at the moment.

I own the other property outright, which means I would be mortgage free. My plan is to (if it comes to it) sell it and then save my mortgage payments in a pension pot.