text: jab bhi main paise save karne ki koshish karti hoon,toh koi na koi kharch aa hi jata hai, aisa lagta hai ki kabhi bhi nahi ho payega!yeh toh life ka part hai, par agar aap ek emergency fund bana lo, toh unexpected kharchon se aap bacha sakti ho, aur savings bhi ho jayengi!