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Emergency Fund vs Debt: How Much Do I Need?
18th August 2025If you are bleeding £180 a month on credit card interest while your savings account sits empty, you might be asking: is an emergency fund a priority or should I focus on my debts?
Some traditional advice says having 3-6 months' of expenses is the absolute must, while Reddit’s Personal Finance flowchart claims that if your debt is above 10% APR, pay this off before building an emergency fund. So which is it?
