Emergencies will happen, it is inevitable, so the best course of action is to try and create a safety net for yourself so that you do not go into debt every time something important comes up.
I will take you through all of the steps from Dave Ramsey’s Baby Steps approach, which focuses on saving for an emergency fund and actually building up the fund for you and your family.
Along with setting a total saving goal, you need to also implement contribution goals. Contributing on a regular schedule is much more important than contributing a lot of money whenever you can.
You can start with small contributions at first, and as you feel more comfortable or as you continue to cut unneeded expenses from your budget, you can increase your contributions.
Staying motivated is one of the most important steps in any financial situation, but especially when it comes to savings and building up your accounts.