Something unexpected will probably happen

Budgets rarely go exactly to plan.

You might need to replace:

• A phone
• A laptop charger
• Shoes
• Glasses
• Course equipment

Or you might face:

• An unexpected journey home
• A medical or dental expense
• A higher-than-expected bill
• A deposit
• An emergency purchase

If possible, keep a small amount of money separate for unexpected costs.

Even a modest emergency fund can prevent a small problem becoming a financial crisis.