An overnight locksmith can cost $400. Here's how much you might have to fork over for other emergencies

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An overnight locksmith can cost $400. Here's how much you might have to fork over for other emergencies
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More than half of employees are unable to cover a $500 emergency expense. Here are emergencies investors may be exposed to and safety measures to consider.

You really need to see credit cards as a last resort, said Sun. If you do use your credit card, make sure you prioritize paying off the balance in full by the end of the month,

"Depending on the bank, your interest rate can be from 8% to 10%, versus 20% to 30% on a credit card," she said. However, don't wait until you have an emergency to apply for a HELOC, said McClanahan; the key is to have it open before you need it and pay it off as fast as possible, she added. Give yourself 2-3 months to set it up, added Sun.For a flat monthly or annual fee, roadside assistance plans can help if you're locked out of your car, need it towed or have to have it pulled out of mud, sand or snow.

Roadside assistance plans from car insurance companies are usually the cheapest option, WalletHub has

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