Good times, bad times who knows ? Prepare for your rainy day, it could come before your ready, then what. If your young, you figure it will never happen, job loss, laid off or ill health, not for me, someone else. Have an action plan and start now !   Some call it “Mad Money”, put some money away just in case, if nothing happens to you, then you have just bought yourself a vacation, car or something frugil. Here are 5 simple rules to get you going, don’t wait, it could happen to you.