The saying might always be “April showers bring May flowers,” but I like to rewrite it to say “April showers bring May mudslides.” I favor the latter because the reality is that life is not always going to be flowers. Even the happiest, most successful person is going to deal with disaster in their life at some point, and unfortunately, these disasters often take a toll on our finances. If an emergency arises, many times the only option is to pull the money from other equally important areas (like food or gas) or accrue debt by putting the expenses on a credit card. But, there’s a simple step you can take in your disaster preparedness that will make a huge difference. It’s called an emergency fund.