The past two years has taught us we have to be as prepared as possible for the unexpected. While we all have future savings goals, having an emergency fund to support present, unaccounted needs (like a car breakdown, dental bill, or even a last-minute fun treat) should be a top priority. If you don’t have emergency savings, you’re flying without a net. Without emergency savings, even a small setback could send you on a downhill spiral, one that could set your finances back and make daily life even more difficult.

Experts agree workers should put away three to six months in living expenses, yet few people have saved that much. If your finances are lacking, you need a plan to catch up. Here are nine ways to boost your emergency savings quickly.

1Bank your changeYour spare change can be the key to a more robust emergency stash. Just empty your pockets every time you come home, then deposit loose change when the jar fills up.
2Split  your paycheckDiverting a portion of your paycheck to a savings account is a great way to build an emergency fund quickly. This forced savings also forces you to live on less than you make, a financial discipline that’ll serve you well later.
3Negotiate your monthly billsYou may not be able to negotiate a lower rent with the landlord, but you have more bargaining power than you think. From the cable company to your internet service provider, you may be able to negotiate a better rate and pocket the savings.
4Trim your budget by 10%Implementing a 10% across-the-board cut in spending can help you build your emergency fund and provide additional fiscal discipline.
5Invest your tax refundIf you’re in line for a big tax refund, use that cash to boost your emergency savings and give yourself peace of mind. Instead of spending your yearly windfall, turn it into a lasting investment in your future.
6Get a side hustleIncreasing your income is a great way to build your emergency reserves, so look for a suitable side hustle. There are more ways to earn extra cash than ever before, and the money you earn will go a long way toward solving any financial shortfall.
7Find a better savings interest rateYou work hard for your money, and your money should return the favor. If you’re stuck in a low or no interest savings account, seeking a higher interest rate can help you boost your emergency reserves much faster.
8Set a weekly and monthly savings goalIf you don’t know where you’re going, you’re unlikely to get there. If you want to build up your emergency savings, set a weekly and a monthly goal. Be sure to track your progress to make sure you stay on track.
9Keep your emergency cash as inaccessible as possibleHaving extra money around can be tempting, so make your emergency fund off-limits. Stashing the cash in a separate account, or a different financial institution, is a great way to reduce temptation.