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Experts suggest that you calculate the size of the emergency fund based on your living expenses because the most common emergency is considered to be unexpected loss of income. In case you lose your job, you will still have to pay all the bills. The loss of income is perhaps the most serious thing which can happen. If you are prepared for the biggest emergency, you will be fully ready to deal with smaller ones such as a broken home appliance. Medical expense Apparently, regular banks and other mainstream financial organizations require plenty of documentations, application forms and all sorts of details that it may take several weeks to have an application processed. This can be really inconvenient especially when borrowers need fast access to cash to meet some emergency or a personal need.
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