Do you have money set aside for things like job loss, illness or even a repair on the car you need for your work? If you do, then you know all about something called an emergency fund. If not, or you’ve been putting off starting one then here are some easy tips so you can take that first step. Emergency Funds are Vital An emergency fund is a budget smart person’s best friend. One of the top reasons to have one is you’ll less to have to rely on using a credit card and getting into debt which if you’re in the middle of a crisis like an illness or…