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With the cost of everything from gas to groceries fluctuating so unpredictably, money management attempts to plan the family budget can become a confusing guessing game.

Everyone knows that an emergency can come up at any given moment. The problem is, that most people are not prepared financially to deal with such an event if and when it should occur. An emergency fund is one of the most important accounts you can own, and especially in a truly liquid form such as cash.