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TPM Blog

A woman holding a calendar, symbolizing the importance of planning and consistency in building an emergency fund. In the foreground, a piggy bank and a jar of coins represent saving money for unexpected expenses, aligning with the blog's focus on financial preparedness in your 20s.

Building an Emergency Fund in Your 20s: A Must for Every Filipino

Money
January 13, 2025•2 min read

A group of young adults standing together, symbolizing the importance of building financial security in your 20s. The diverse group reflects individuality and shared responsibilities, aligning with the blog’s message about creating an emergency fund for stability and independence.

As a young Filipino (18 to 25), you’re probably enjoying the freedom of earning your own money, exploring career paths, or planning your future. Wherever you are in life, there’s one financial move you shouldn’t ignore—building an emergency fund.

Why? Because life is unpredictable. Job insecurity, sudden typhoons, rising healthcare costs—kahit simpleng breakdown ng motorbike or phone, it can mess up your budget. Starting in your 20s gives you the perfect opportunity since you likely don’t have major financial obligations yet.

Picture This:
You’re faced with an unexpected hospital bill or urgent repair. Without an emergency fund, you might borrow from friends or family, use a credit card, or take out a high-interest loan—leading to stress and possible debt. But with even ₱10,000–₱20,000 saved, you’ll have peace of mind to handle small emergencies.

How Much Should You Save?
Aim for 3–6 months’ worth of expenses, pero let’s be realistic—it’s okay to start small. Even saving ₱500–₱1,000 every payday adds up!
✔ Set a goal: Save at least ₱10,000 to start.
✔ Automate your savings: Set up transfers from payroll to savings.
✔ Use bonuses: Add extra income like your 13th month pay to your fund.

A thoughtful woman with a laptop and coffee, symbolizing planning and preparing for the future. This image ties into the blog’s focus on starting small and consistently building an emergency fund for financial security.

Where to Keep It?
Choose a place that’s safe and easy to access. High-yield savings accounts from digital banks like GSave or CIMB offer higher interest rates compared to traditional banks—so your money grows while staying ready for emergencies.


The Benefits:
Beyond financial security, an emergency fund brings peace of mind. You can go about your day without constantly worrying about "what-ifs." It also gives you freedom—to pursue opportunities or help loved ones without sacrificing your own stability.


Quick Takeaways:

  • Start small, save consistently.

  • Emergency fund = 3–6 months of expenses.

  • Use high-yield savings for better growth.


How Are You Starting Yours?
Ever had to borrow money last-minute because of an emergency? Imagine not having to. Let’s talk about how to start your fund, step-by-step! Share your goals or tips in the comments—I'd love to hear your thoughts! 😊

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