Whether we like it or not, bad things happen in life. Being financially prepared for those times is what is going to make the difference between surviving the worse or becoming it's victim. The best thing you can do is start up a savings account that you regularly contribute to every week. Even if it is just $10 a week that means you'll have $520 at the end of the year that you would not have if you didn't set anything aside.
When you set up that rainy day savings account there is one thing you MUST do, do NOT have an ATM or debit card linked to the account. You want to make that account hard to withdraw money from. You will have to go into the bank to make withdrawals and deposits. If you add those extra steps to the access of the account the money will be safe from your purchasing whims.
You can also use that account to save up for large expenses like new home or office furniture. Just make sure that you have plenty of money left in that account after your purchase to cover items like fixing your car or replacing a major appliance should they break down.
Having a rainy day fund that is hard to get to will take a load or worry off of your mind when you need to have the cash.
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