Hi
user
Hello! How can I help you today?
assistant
I'm trying to create a budget and I'm not sure how much I should save for emergencies.
user
It's generally recommended to save 3-6 months' worth of living expenses in an emergency fund.
assistant
That sounds like a lot. How can I get started with saving that much?
user
Start by setting a realistic goal, like saving $1,000 or one month's expenses, and then gradually increase it over time. You can also consider setting aside a fixed amount each month.
assistant
Okay, that makes sense. What about shopping – how can I avoid overspending?
user
Consider making a shopping list and sticking to it, avoiding impulse buys, and using the 30-day rule: wait 30 days before buying something non-essential to see if you really need it.
assistant