An emergency fund can feel like money sitting idle. But if your income stopped tomorrow, how long could you cover your rent, bills and groceries without borrowing?

An OECD survey found that four in ten adults in Cyprus could not cover three months of living costs. Professor Panayiotis C. Andreou explains how to work out what you need – and why starting with just one month matters.

In the Money Doctor series, Professor of Finance Panayiotis C. Andreou tackles the financial questions, habits and decisions that affect everyday life in Cyprus.

Practical, accessible and without unnecessary jargon, Money Doctor is designed to help you understand your money – before an expensive mistake does it for you.

Dr Panayiotis C. Andreou, ‘The Money Doctor’, is Professor of Finance at the Cyprus University of Technology, President of the Financial Wellbeing Institute, and creator of the Money Doctor® financial education platform. He also serves on the Scientific Advisory Committee of the Cyprus Financial Literacy and Education Committee. His work focuses on financial literacy, financial wellbeing and the way knowledge, habits and behaviour shape everyday financial decisions. Through Money Doctor®, he aims to make evidence-informed financial knowledge accessible and practical, helping people better understand their money and make more informed decisions.

The Money Doctor series | Hosted within Cyprus Mail’s Financial Literacy initiative, which is supported by XM.

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