 TITLE: How to Change Your Budget in a Financial Emergency CONTENT: Stash Some Cash\n---------------\nIf you're not strapped for cash yet, it might be wise to set up an emergency fund with some of the money left after you've covered the basics. The general recommendation: Put aside the three to six months of living expenses. This can help you remain afloat during a financial emergency and can help you avoid taking out credit cards or loans.\nEven if setting aside three months' worth of savings seems impossible at the moment, try saving whatever you can. One of the simplest ways to start an emergency fund is to schedule regular automatic transfers from, say, a checking account to a savings account. Keep in mind that putting just a small amount per transfer into your emergency fund, perhaps $25 per week, is better than nothing at all.\nIf you're already facing a cash crunch, it might not be the best time to establish an emergency fund. In this case, your No. 1 goal should be to cover everyday living expenses. Once the financial storm has cleared, you can consider starting a rainy day fund. END