2. Gradually build up your “rainy day” fund
In general, it should represent about three to six months of wages.
Set this money aside in a risk-free savings account to be immediately available in case of need. Most importantly, only use it in a time of hardship.
Examples of unexpected expenses:
- Your refrigerator breaks down, your roof springs a leak,
- Your water heater has to be replaced earlier than expected,
- Loss of income, etc.
What savings do Luxembourg households have available?

…the monthly net income of my household.
Remaining percentage to 100 - "I don't know"