How to Build an Emergency Fund on a Tight Budget 

Saving money, paying down debt, improving credit scores). Each chat is hosted by@Experianon X (formerly Twitter) and all are welcome to participate. DM us any questions.

Join us for this week’s #CreditChat as we explore practical ways to build an emergency fund—even when money is tight. We’ll share tips on saving small amounts, finding extra income, and staying motivated when every dollar counts. Whether you’re just starting or rebuilding, this chat is packed with insights to help you prepare for the unexpected.

Topic:How to Build an Emergency Fund on a Tight Budget

When:Wednesday, July 9, 2025 at 3 p.m. ET.

Where: Join the live hashtag discussion

The panel will include: Amy Miller, AFC®: Program Manager of America Saves; Beverly Harzog: Credit Card Expert, Bestselling Author, columnist and podcast host at BeverlyHarzog.com; Danielle Miura, CFP®, MSFP, EA: Founder of Spark Financials; Leslie H. Tayne, Esq: Founder and Managing Director of Tayne Law Group, P.C. (f/k/a The Law Offices of Leslie H. Tayne, P.C.); Jorrell Bland: Associate Wealth Advisor at Mitlin Financial, Inc.; Deacon Hayes: Founder of Well Kept Wallet; Michael Ryan: Retired financial planner turned personal financial coach, and Founder of MichaelRyanMoney.com; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.

Gift Card Giveaway
Enter here for a chance to win a $50 Amazon gift card!We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET.Complete rules here.

Questions we will discuss:

1. What’s the biggest challenge you face when trying to save money while living on a tight budget?
2. How much should your emergency fund ideally have, and how do you decide what amount is realistic to aim for?
3. What are some creative ways to cut small expenses that can add up to emergency savings over time?
4. Can side hustles or gig work play a role in building an emergency fund, and where can you find side hustles or gig work?
5. How can you stay motivated to save for emergencies when immediate needs feel more urgent?
6. What are some low-risk places to keep an emergency fund that offer both security and access?
7. Have you ever had to tap into an emergency fund? If so, how did it affect your view on saving?
8. What habits or tools can help you consistently put money aside, even in small amounts?
9. What mindset shifts are necessary to prioritize saving for emergencies, even when it feels impossible?
10. Why is having an emergency fund important for financial peace of mind, especially when money is already tight?

Check out our complete list ofupcoming personal finance Twitter chats here.