Here’s your reality check for the day. If someone at home were to die today, would you be able to pay for travel home without worrying? Keep in mind that last-minute tickets can be much more expensive than advance purchase fares.
If an emergency does occur, you don’t want to be worrying about money. Be sure you have enough in your emergency fund to cover travel for your family to the most expensive place you might need to go. I can’t imagine anything worse than not being able to travel to a family emergency because you didn’t have the financial resources.
If you don’t have the money right now, use this as good incentive to build up your emergency fund. Even $20 per paycheck will add up eventually. Don’t procrastinate, because stuff happens.