Here are 10 ways to build an emergency fund:

1. Start small: Begin with a manageable goal, like saving $1,000.

2. Set a specific goal: Determine how much you need for expenses like rent, utilities, and food.

3. Create a separate account: Designate a specific savings account for your emergency fund.

4. Automate your savings: Set up regular transfers from your checking account.

5. Cut expenses: Reduce unnecessary spending to free up more money for savings.

6. Increase income: Consider a side hustle or salary negotiation to boost your income.

7. Use windfalls wisely: Allocate lump sums like tax refunds or bonuses to your emergency fund.

8. Prioritize needs over wants: Focus on essential expenses over discretionary spending.

9. Consider a savings challenge: Try a "52-week savings challenge" where you save an amount equal to the number of the week.

10. Make it a habit: Consistently save a fixed amount regularly, making it a habit.

Remember, building an emergency fund takes time and discipline, but it provides financial security and peace of mind.