Jail restaurant helps to free bad debt prisoners

To avoid debt, it’s always helpful to have an emergency fund. Personal finance expert Laura Adams suggests getting to a six-month cushion as quickly as possible. “That’s really essential,’’ Adams said. “Do whatever you can to get there. It adds a layer of security.’’ When hit by the unexpected — such as medical expenses, major car repairs or a job loss — the emergency fund can be a life-saver.