How do I build an emergency fund on a tight budget?

Start by setting a small, achievable goal rather than aiming for the standard 3-6 months of expenses right away. Target $500 or $1,000 first. Open a separate savings account so the money is out of sight and harder to spend impulsively. Even saving $10-$25 per paycheck adds up over time. Find small cuts you can automate: cancel one subscription, reduce dining out once a week, or redirect any windfalls like tax refunds or birthday money directly into the fund. Automating transfers on payday is key because you save before you have a chance to spend. Selling unused items can give you a quick initial boost. The habit matters more than the amount at first.