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fairwinds.org | Get the freedom to go further.

1. Adjust your budget.

Your 3 to 6 months of savings will cover food, housing, utilities, transportation, and other necessary expenses in case there is a loss of income.

Use our Freedom Savings Calculator to know how much you need to save for 3 to 6 months of expenses.

Another way to build your savings? Any money previously used to pay off your debt can now be added to your savings instead.

Learn More About Goals and Budgets Setup Goals and Budgets

2. Open a separate savings account.

A separate savings account helps you earn interest on the money you’re saving while keeping your 3 to 6 months of expenses out of sight and out of mind.

Learn More About Our Savings Options

To open a Savings account now, simply choose Apply Now at the top of this page and select Deposit Account.

To open your account, be sure your browser is set up to allow for pop-ups.

3. Set up automatic transfers.

Automatically transferring a portion of your paycheck into your savings is a simple way to reach your goal faster.

Create an Automatic Transfer Create an Automatic Transfer

Member Story:
Save 3 to 6 months of expenses - Milestone 4

"I’m a first-generation college student and am debt free. I haven’t taken out any loans for school. Even though I got laid off, I had a 6-month emergency fund, so I didn’t need to worry. The security of having money saved up for bills and necessities kept me at peace. I’m now saving up for retirement and waiting for the day I can give like no one else because I’ve been fortunate enough to learn the values of a budget, saving and investing!"

DestinyCasselberry, FL