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Make sure you bring in: [link widoczny dla zalogowanych] If you have no savings which to transfer to your emergency fund straight away, you should not worry. You will get a long way if you start small. You can determine a fixed amount of money to set aside every month depending on your income and spending. You can also plan to allocate bonuses and other extra payments to your fund. It will take time to build a fund equal to your expenses for three to six months, but if you set small milestones, you will be on the right track. If you can't repay it on time, you can't afford to get one

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