How to Build an Emergency Fund When You're Broke

No money to spare? You're not alone. Here's how to start an emergency fund anyway.

Start Ridiculously Small

Forget $1,000. Start with $100. Then $500. Small goals you can actually hit.

Find Hidden Money

• Pocket change: Empty your pockets nightly into a jar
• Round-ups: Some banks round purchases and save the difference
• Subscriptions: Cancel one, redirect to savings
• Windfalls: Tax refund, birthday money, sold items

The $5 Challenge

Every time you get a $5 bill, save it. People save $1,000+ per year this way.

Automate $25

Set up automatic transfer of $25 on payday. You'll adjust. Most people don't notice.

Separate the Money

Put emergency fund in a different bank. Out of sight, harder to spend.

Track Everything

Use Pocket Clear to find where money leaks. Even $50/month redirected adds $600/year.