💰 Saving for a Rainy Day (and Making That Savings Work)

With the cost of literally everything creeping up week after week, having an emergency savings account isn’t just a good idea—it’s essential. It’s the cushion that keeps your family from spiraling into financial stress when life throws a curveball (because we know it will).

According to this article from Fortune.com, “While 89% of respondents indicated they would need an emergency fund equal to three months’ worth of expenses to feel financially secure, 27% reported having no emergency savings at all.” Oof.

We’re not just here to hit you with scary stats—we want to offer real, doable solutions. This article breaks down 10 Creative Ways to Save for an Emergency Fund, and I wanted to share my personal favorites:

• Automate it. I have scheduled transfers that automatically move money into savings. Because I’m self-employed and my income is variable (and untaxed), I immediately move a chunk into a separate “tax + buffer” account every time I get paid. I always transfer a bit more than needed so I’m building up savings too—and my brain now sees that transfer as completely non-negotiable. Trickery for the win.

• Make more money. While Alex prefers to spend less (a classic), I’d much rather generate more income—whether it’s launching a side gig or selling stuff we don’t use. Shoutout to my friend at Declutter with Danielle who not only helps you clear your space but also helps you sell your stuff. Not many services send you home with a Venmo notification instead of a bill!

Now that you’ve started saving, don’t let that money just sit there earning pennies. High-yield savings accounts are finally worth paying attention to again, and this 2025 comparison article lists the best options out there.

Let’s make your money work as hard as you do. 🙌