EVERYONE should have a mini emergency fund, in cash, and on hand (which means hidden in your home not at a bank where you may not be able to access the money in the event of a disaster). With a bit of gazelle intensity and a bit of creativity, you can gather this amount of money by the end of the month. Sell blood, walk dogs, sell off junk from your house, mow yards/shovel snow...do whatever you have to do in order to put together this emergency cash as quickly as possible. Do it now.
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