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For this reason, you should try to make room in your household budget for savings. By setting aside a little money even just 10 or 20 out of every paycheck, you can build an emergency fund to deal with these unpleasant surprises. If you can manage to save up even a few hundred dollars, youll be able to turn to your savings in a crisis, instead to a payday lender. So long as you have money put away to pay for it, an unplanned expense is just a nuisance, not a disaster. And the more money you have set aside to deal with emergencies, the easier it is to get ahead in the future.