How to follow through with saving up an emergency plan

Some people are disciplined enough to manually set aside "leftover" money at the end of every month into a high-interest savings account. Others take the decision-making out of the equation and automate the entire process. Most banks have a feature that allows you to set up recurring transfers from your checking account into your savings account.

Saving up three to six months' worth of expenses could take years. That's fine. Just keep at it.