On one hand yes we need to save a little aside monthly as it seems to be, but if we are to expect savings just in case of emergency, the emergency will happen. I remember once in my 20s I listened to pastor prince of new creation church. He is very encouraging. He said, often people save up money fearful of having not enough, with thoughts like it is to stand by for rainy days, well, rainy days come very fast. so the money is gone. Save aside yes, maybe as a form of gratitude for the surplus.