It is important to have an emergency fund Life is full of surprises, unfortunately not all good. While one cannot predict everything that may happen, unexpected problems are easier to deal with when you are financially prepared. Marlies Kappers, head of marketing at DirectAxis Financial Services, says the first thing to consider is what you can realistically and affordably insure against. These will be events that are difficult or impossible to recover from, financially, if you’re not insured. They could include your home burning down, your car being stolen or written off in a crash or a long hospital stay because of illness or an accident. You can, and many people do, insure against all or most of these things either because they’re required to when they take inyathelo lokuqala ukuba mhlophe, amazinyo eliqaqambileyo yinto elungileyo, ukucocwa yobungcali. cleanings zamazinyo kufuneka ibe yesiqhelo, apho ubekela ukuqeshwa nganye qho kwiinyanga ezintandathu. nokuba, ukucocwa oqeqeshiweyo rhoqo kulula ngoyaba kodwa idla igqunywe ziintlobo ezininzi inshorensi zamazinyo.