You found your safety number — now here’s how to protect it 🚨

Dear Fellow Financial Freedom Seeker,

Last week, we worked out your Minimum Monthly Spend — the essential amount you need to keep your life running if things got tight.

This week’s One Simple Step is all about protecting that number.

Because knowing it is one thing.
But having the money to cover it when life throws a curveball?
That’s how you create true financial stability.

Your One Simple Step this week is to

Start Your Emergency Fund

This is your financial buffer. Your “in case life happens” safety net.

💡 It’s not for holidays. Or shopping. Or brunch.

It’s for things like:

• Losing your job

• A boiler breakdown

• Unexpected medical costs

• Income dropping off a cliff

The goal?
Start with one month of your Minimum Monthly Spend
Then aim for 3–6 months over time.

It’s OK to start small. Even £10/week builds over time.
This is about peace of mind. Not perfection.

Til next time,

Pernia | Your Finance Travel Buddy

P.S. Do you already have an emergency fund? If so — where do you keep it? (Savings account? Premium Bonds? Under the mattress? 👀) Hit reply and let me know — I love hearing your strategies!