This may seem a silly question but when it comes to an emergency fund, is this based on 3-6 months of just your half of the bills (both myself & my husband work - equally pay the bills) or is this based on total bills as this would be a big financial difference?
We aim to always have 3-6 months of our total combined essential expenses in emergency savings. If you find a savings account with a decent rate of interest then you're far better off having all the money together as you'll earn more in interest that way.
