If someone claiming to be affiliated with your bank contacts you by phone, email or text message asking for personal information including your address, Social Security number and account information don't buy it.

WSJ: Phishing Bank Scams Are on the Rise

If trimming spending doesn't get you to that magic number, consider temporarily cutting back on contributions to your individual retirement account or 401(k) and using that money to bolster your emergency fund, says Mr. Weingarten.

WSJ: Your Emergency Fund Needs a Boost