Poll: how often do you use your emergency savings fund?

Having a small fund for surprise bills is a classic rule of personal finance. But have you ever actually needed it?

Depending on which finance ‘expert’ you ask, every household should have between two and four months’ worth of income stashed in an access savings account should a surprise bill pop up.

It’s pretty common practice – an older poll showed more than 80% of loveMONEY readers have an emergency savings fund.

But we want to know how useful that fund has actually been. How often have you actually used that fund over the years?

Specifically, we’re talking about for actual emergencies, not simply using it for a spontaneous holiday or similar.

Or have you instead used 0% credit cards or funds in your current account to cover the costs instead?

Please vote in our poll below and, if you fancy, share with other readers what said emergency was in the comments section below.