That's why it is always good to have an emergency fund so you don't get into this hole in the first place.
How I wish people understand that, some are just needing money for their daily needs and no intention to save. A person must be educated to understand how it is necessary I guess.
People actually don't think of it when they have the money in hand and they just spend everything without thinking to save some of it which can be of work later on, they even buy the things they don't need and later on they realize they shouldn't have done that.
There are some situations that we can't really avoid just like emergency scenarios but it is going to be needed with proper solution. Especially when a person is needed to have desperate money and if that happens to me, I don't have choice but to use the money that I've been saving for a long time but of course I won't use them all.
Definitely not but only up to the amount you need, it's good you have a savings and you already prepared for the future. You have a future plan and I can say you will be successful in the future because of your mindset, only few people have their savings and you are one of them.