"Make sure you do as much as you can to plan and then be in a position that you can deal with the blows when they happen," she added.
Doing so means you will have one less thing to worry about.
"It means you’ve got a little more energy to focus on the emotional side of things and the practical side of things that you’ve got to deal with."
How much do you need in an emergency fund?
"It depends on each individual," says Kate. "As a rule of thumb, I would generally recommend to people to have six months worth of their expenses."
How do I save money for an emergency?
As the podcast previously explained: The "magic word" and key to getting starting on your emergency fund is, "automation".
Sit down, look at your budget and work out how much money you can realistically afford to put away every week or month.
"Understand how much you can put away that you can afford not to touch," says Kate. "This is your non-touchable account. It’s not an account that you dip into who you’re a little bit short."