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Some things can never be planned for. You can never plan for a medical emergency or a natural disaster or any other event which can cause financial crisis. However, you can be proactive in the event that these things happen to you.
Personal money management is the key to planning for that rainy day and everyone should build a plan for this worst case scenario. Having a job is not always enough to ensure you always have the money you will need. Ask yourself, what can you do with the money that you earn to prepare for a disaster? This is the essence of personal money management.
Now, I am not saying that you should put every penny away for that rainy day; people should live to whatever lifestyle they prefer. But there are ways that you can build a personal money management plan that will not hamper your lifestyle in the slightest. Some people prefer to take a predetermined portion of their income and use it for savings or investment. Others simply save and invest what they can in any given month or period of time.
Your personal money management plan should be built up of minimums. What is the minimum you can afford to invest or save this month? By establishing minimums, you have a baseline to work with in your personal money management. Once you have set your minimums, never go beneath them and go above them as often and by as much as you can afford.
This is just the first step to personal money management. If you want to get the full picture of how you can better manage your money, consult with a professional analyst who can fill in the gaps in your planning. And, of course, stick to your plan once it is in place.