Prepare for disaster: do you have a financial safety net?

Two thirds of British families have no financial safety net at all. They're perfectly fine as long as the boiler keeps working, the car doesn't break down, nobody gets ill, and the taxman never makes a mistake. But what are the chances of that happening? With so many millions of people just one unexpected expense away from financial disaster, we all need a safety net in place.

And building one doesn't have to be as difficult as it seems.