How do I build an emergency fund from nothing?

Start by opening a separate savings account so the money stays out of sight and out of mind. Even if you can only save $5 or $10 a week, begin immediately. Automate a small transfer on payday so it happens before you can spend it. Treat it like a bill you must pay yourself first. To accelerate growth, sell unused items, pick up extra hours, or redirect any windfalls like tax refunds or bonuses straight into the account. Cut one or two small recurring expenses and redirect that money. Your initial goal should be $500 to $1,000 as a starter cushion, then build toward three to six months of essential expenses over time. Consistency matters far more than the amount.