How Much Emergency Cash Can I Get?

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It isn’t always possible to avoid a financial crisis. Life happens, and bills can get in the way of your budget. If you don’t have an emergency fund saved up, you might be searching for where you can find the right alternative loan. You might also wonder, how much emergency cash can I get?

You may be experiencing job loss, or high living expenses that are hurting your budget.

While it may be a stressful time, you have resources available to you! One of your options is to get emergency money through Max Cash Title Loans. 2 5 Applying can take just a few minutes to do online, and you could have emergency money in just one business day.1

To learn more about the importance of an emergency fund and the amount of cash you can get, keep reading below!

Why is It so Important to Have an Emergency Fund and Emergency Savings?

An emergency fund is a crucial financial tool for any person. As a rule of thumb, you should keep at least three months of expenses in an emergency savings account. This is in case of a layoff, car repair, or other emergency situation that could leave you broke. A rainy-day fund is advised by all financial planners to keep you afloat in any situation. 

But studies show that 45% of Americans have almost nothing saved in their savings account. Americans that do often have less than one month’s worth of expenses! If an emergency situation happens, having emergency savings could make all the difference in the world. It acts as a safety net for the short term. Life happens, and when it does, you want to be prepared for the worst financially.

You should build your emergency fund based upon your income and expenses. If you have a financial advisor already, they can instruct you on the right way to build your cash reserves. If you do not, it’s not as complicated as you might think. Build up your emergency fund little by little! Take at least 10% from each paycheck and put it in a secure fund that you won’t touch. 

What Kind of Emergency Savings Account Should You Have?

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Depending on your financial situation, you may have different savings accounts in mind. Usually, the two most advantageous are:

  1. Money Market Accounts
  2. High Yield Savings Accounts

Money market accounts are similar to regular savings accounts, but they can be an effective tool for saving money. You typically can’t withdraw money or make payments more than six times a month. There is also usually a requirement for how much needs to be in the account at all times. They usually can be obtained through a bank or credit union, and often require a minimum deposit. When considering a bank account like a money market account, keep in mind what the interest rates are. Interest can help you earn extra money on your savings! Money market accounts are different from checking accounts and mutual funds because they have a different intended purpose. There is almost always a limited amount of access to your money market account, but your checking account can be much more flexible.

High yield savings accounts are those that can offer you the most interest to reach your savings goal. By putting in a month’s worth of expenses, the interest rate could help put more money away for a rainy day.

How Much Emergency Cash Should Be in Your Savings Goal

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As a rule of thumb from most financial experts, you should allocate a percentage of your income towards a high yield savings account or money market account. This means you can have emergency money for unexpected expenses, such as home repairs or your car repairs. Having enough money for monthly expenses if you experience job loss could help prevent bankruptcy! If you do experience a layoff, you’ll have a safety net to fall back on with your financial goals met. 

Whatever the amount of money your financial goals are, it’s important to have one for your personal finances! To create your savings goal, take a look at your personal budget. Look over your unnecessary expenses and see where or how you can cut back. For example, the money spent entertainment items or takeout could be put towards your savings account instead. While you shouldn’t cut out all of your fun or extra spending, it is important to cut out what you can. This can help in the long run.

Your savings goal should be within your budget. This doesn’t mean you are putting all of your income towards savings and forgetting to pay your credit card bills!

Not every financial situation is the same, so it would make sense that everyone has a different savings goal! Now, most financial advisors would agree that you should have at least three months’ worth of expenses in your emergency fund. But saving any amount is a good start.

If you have a substantial enough emergency fund, it can save you the trouble of having to pull from your retirement account (a 401K, Roth IRA or IRA) to cover your expenses. Most investment advisors would say that your IRA and Roth IRA should be left alone until retirement!

How Do I Get Emergency Cash if I Don’t Have Time to Save Money?

If you have a big purchase or repair coming up and you don’t have time to start saving money, there are options available to you in the form of a loan! With loan options like title loans, you could get emergency cash in as little as one business day, once approved.1 While you should work towards creating an emergency fund, you may not have the resources right now to do so- and that’s okay! Max Cash Title Loans is here to help.

How do I Apply with Max Cash Title Loans and Get Fast Cash?

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If you’re ready to get the emergency cash you need, applying is simple. Max Cash Title Loans can connect you to lenders all across the United States!5 Applying for a title loan is much easier than you think. We have representatives available seven days a week to help you get the best loan for your situation!5 Get started today by applying for an online title loan, or calling us at 855-551-5626 toll-free!