So what is an emergency and when should you dip into your emergency fund? Well, most will agree that an emergency is something that is unexpected, say a trip to the emergency room due to something like an appendicitis. That is an emergency, and even though no one wants an emergency to happy, the time to plan for one is when life is going well.
Start by looking to transfer within your current company, you will get to keep your benefits, accrued time off and any other perks you may have such as indoor parking. You may have to take a decrease in pay and that is something you need to consider based on the situation you are in and way that with keeping your current benefits.