nomis5 - 8:32 pm on Sep 9, 2011 (gmt 0)
I have an overdraft allowance of £1,000 which very often is not used. That's my backup!
I haven't been caught out yet although once I did need to take the begging bowl to my mum who at that time was well off.
The way I think is that if I need to dip into savings to cover 6 months without any income then I'm a dead duck anyway. We do have two incomes in our household though so maybe that gives the real security needed.