Simple yet effective ways to save for your emergency fund:

1)   Cut your cable cord

According to the recent study by NPD Group, average American family spends $123 per months on cable TV. 

You can find yourself comfortable with video on demand options like Netflix, Amazon Prime or Xfinity TV for as low as $7.99/mo.

2)   Optimize your wireless bills If you have 2-3 smartphones in your family, you are probably paying up to $300 per month for phones and wireless service.

Just by skipping an upgrade for your old smartphone that is already paid off, can save you about $200 per month with a T-mobile no-contract plan. It helps that smartphones progress seems to be slowing down and carrying a 2-year old smartphone today is not a torture anymore.

Just by combining this two simple optimization techniques, you can fill up your $10,000 fund in about 2.5 years.