23% of Brits Have No Emergency Fund. Here's What I'd Do Today

According to recent research, around 23% of UK adults have no emergency savings at all. So what happens when the boiler breaks, the car fails its MOT, your hours get cut, or life throws something unexpected at you? In this video, I'm sharing exactly what I would do if I had an emergency today and no emergency fund to fall back on. This isn't about building a savings pot over the next five years. This is about practical steps you can take right now if you're facing a genuine financial emergency. We'll cover: • What to do first when panic sets in • How to stop money leaving your account unnecessarily • Things you can sell quickly • Ways to bring in extra income • When to contact lenders, landlords and utility companies • Support that may be available if you're struggling • The mistakes I would avoid making I've personally used some of these strategies during difficult periods of my life, including mortgage payment arrangements, side hustles, extra jobs and selling items I no longer needed. If you're worried about money, please know you're not alone. Useful organisations that may be able to help: • StepChange Debt Charity – free debt advice and budgeting support • Citizens Advice – help with benefits, debt, housing and consumer issues • Turn2us – grants, benefits calculators and financial support • Trussell – food bank support • Your local council's welfare assistance scheme This video is for educational purposes only and should not be considered financial advice. Always consider your own circumstances before making financial decisions. The Budget Mum UK Helping families save money, reduce financial stress and feel more in control of their money. All business enquiries: [email protected] If you’re trying to get on top of your money, I use my own budgeting planners and savings challenges to stay consistent — you can find them here: https://thebudgetmumuk.etsy.com Join our Facebook community for extra tips, support and real-life money chat:   / thebudgetmumuk   Want to earn cashback on everyday spending? I use this: https://www.topcashback.co.uk/ref/sam... If you fancy something a bit lighter, my romcom book is here: https://www.amazon.co.uk/dp/B07C9587S... 3 months FREE Kindle Unlimited: https://www.amazon.co.uk/kindle-dbs/h... MY FAVOURITE TOOLS & GEAR: Pink Calculator: https://amzn.to/3pTBCTa Ring Light & Phone Holder: https://amzn.to/3jlCv3n Gem Stone Pen: https://amzn.to/3v4BLVS Swarovski Pen: https://amzn.to/3DTf23k iPhone 12: https://amzn.to/3xbxVNh ABOUT ME: I’m Samantha, also known as The Budget Mum UK. I’m a mum of two who turned things around after over £100,000 of debt, and now share realistic, no-nonsense ways to manage money, save on everyday life, and still enjoy it. On this channel, I share: • Budgeting tips that actually work • Grocery savings & family finance • Real-life money habits (no extremes) • Ways to feel more in control of your finances DISCLAIMER: This content is for educational and entertainment purposes only. I do not provide financial, tax, or investment advice. All information shared is based on personal experience and general knowledge, and may not be suitable for your individual circumstances. Always do your own research. Some links in this description may be affiliate links, which means I may earn a small commission at no extra cost to you. Thank you for supporting the channel.