An emergency fund can come in handy -- learn how how to build one, determine how much to save and know when to use it.

if you're in a pinch for cash, emergency loans may be able to help. Emergency loans are a type of personal loan so they generally have much more favorable interest rates and fees than payday loans.

Always ensure you have the cushion you need when an emergency arises ... Follow these tips to help make your emergency savings a priority: — Aim for small, consistent savings.