Key things
- Two to four weeks of household spending. One week, in the house, is the floor.
- Two thirds smallest notes and coins, one third mid. A large note buys nothing in an outage.
- A second currency only where one is genuinely used: euros or dollars, or the currency on the other side of a nearby border.
- Split across three or more locations, plus one in each go-bag and one in the car.
- Review twice a year, on the smoke alarm reminder.
- Not covered by deposit insurance. Check your household policy’s cap on cash before deciding how much to hold.