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Financial emergencies do occur, and sudden unexpected circumstances can leave you needing extra income without the means to acquire it. A lot of people are living paycheck to paycheck or on a tight budget which means that many individuals are unable to start saving. This means that should the unexpected suddenly occur, for example, if you receive an unexpected bill, or are unable to work due to a sudden illness or injury, then there is no spare cash on hand to immediately rectify the problem.