Money is an important commodity that everyone needs today. It’s the tool or medium that people use to get their needs and wants in life. People work hard to earn money to put food on the table, pay their bills, pay their mortgages, pay their kids’ education, shop for nice clothes and things, take vacation trips etc. Some people earn more than they need to spend so they have extra money to put into savings, which is a good thing so they have extra money that they could use when unexpected expenses come up. But for people who earn just enough to cover their monthly expenses, financial emergencies can be a disaster.