Why parents need one
A broken boiler, a car repair or a few weeks off sick costs more with a baby in the house. A cushion stops a bad week from becoming a loan.
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How much
A common aim is about three months of essential bills: rent or mortgage, food, energy and childcare. Start with one month. Any amount is better than none.
Lullagram · lullagram.ie/moneyWhere
Somewhere you can reach in a day or two but won't spend by accident: a separate savings account or the credit union, not your current account.
Lullagram · lullagram.ie/moneyIt's protected
Deposits in banks, building societies and credit unions authorised by the Central Bank are protected up to €100,000 per person per institution by the Deposit Guarantee Scheme.
Lullagram · lullagram.ie/moneyMake it automatic
Set up a standing order for the day after payday, even €20. Money that moves before you see it gets saved.
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How big should our emergency fund be?
Three months of essential bills, and how long it takes to build. All free Lullagram tools
Your family's money dates, in Lullagram.
Free reminders before every payment and deadline, from pregnancy to your child's 2nd birthday, plus your pregnancy and baby tracker in one app. Made in Ireland.
Sources, checked 27 October 2026: Central Bank of Ireland. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.