Mzikayise Moyakhe,27, ogwetywe ubom emva kokufunyanwa enetyala lokudlwengula. UMFANEKISO: SAPS Here’s what the experts say: . Getting started is the hardest part. Ideally you should aim to save about 5% of your income each month for unexpected expenses. . Keep your emergency fund in a separate account, so you’re not tempted to dip into it. Money market and tax-free savings accounts are two options to consider. Ideally set up an automatic transfer. . Keep saving until you have enough to cover your normal household expenses for between three and six months. That way you’ll have a reasonable cushion. . If you need to use all or some of the money, try to cut back on non-essential expenses such as entertainment or holidays until you’ve replenished it. ekugcineni, emva 8 iinyanga zokufunda isihlobo ngokusekelwe koko wazisa kule Post, namhlanje (28/03/2017) wenza neemviwo ZCPE, ndiyabulela kuThixo, salala! Ngokucacileyo ungenza sinikele kakhulu kwaye ndinqumle elo xesha phakathi okanye ngaphantsi, ephuma esandleni sakhe.