Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn’t as hard as you might think. The strategy is to start small, change a few habits, and change your mindset.

If you’re starting from scratch with your emergency fund, begin by saving one month’s worth of living expenses while paying the minimum on your credit cards. When you have that first month of emergency funds started, turn your focus to your credit card debt and pay more than the monthly minimum. Once the credit card debt is paid off, go back to building your emergency fund.
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