Emergency funds as the name suggests helps you during the time of emergency. The idea is to look for creating a fund that you do not encroach for trivial expenses. Go for automatic deductions. This can be done through an online electronic clearance scheme.
The idea is to keep paying through something that you don’t have to bother about each month. Of course you will have to save for the purpose and hence value of an emergency fund will be automatically incorporated in you.
Set up a recurrent account that calls for a daily or weekly payment. This way you will have to save for it forcefully so that you can meet the demands of the recurring account.
Just like paying for all the important expenses at the beginning of the month, also allocate some resource towards the emergency fund. This will allow you to make a conscious and disciplined decision of making an emergency fund set-up.