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How to Build an Emergency Fund from Scratch in 3 Steps

29th June 2025

Life has a way of throwing us curveballs when we least expect it, and there is usually always a cost involved. We have all faced unwelcome surprises, from a punctured tyre to a poorly pet, that have to be resolved quickly and usually put us at least a couple of hundred pounds out of pocket.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

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Representative Example: £300 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £540.35 in monthly instalments of £109.59, £107.60, £100.85, £86.95, £72.25 and £63.11. This is based on the amount of credit plus interest, no other fees apply. Representative 1265.8% APR

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How to Build an Emergency Fund from Scratch in 3 Steps

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