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Have you not been able to save money for the emergencies that could or could not happen? The truth is not many people are able to save very much money. Maybe your job depends on you having to use your personal computer. If that computer went out you would not be able to work at all, that could lead to you losing your job and then you would really be broke because in the economy today you would have a hard time finding another job for yourself. If something were to happen like that you could always go out and get Personal Loans which help you get money quickly.