The past year has been The Year of the Financial Emergency for everyone I know. It seems like people were either laid off, about to be laid off, or afraid they were about to be laid off.
Trouble is, most of us don't have oodles of savings these days. So how do you face a financial emergency, when you're not as prepared as you'd like to be?
If you're in the clear right now, start building up that emergency fund today. It'll keep you from stressing out about finances even when disaster has yet to strike.
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