As the new year begins, one of the most important resolutions that must be made if you are doing a financial planning is to make a contingency fund, personal finance expert and Managing Director at Optima Money, Pankaj Mathpal said.

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This is also known as an emergency fund. Mathpal said that the contingency fund is important to tide away the difficult times. It could be critical in times of late salary disbursement, business not doing well or any other issue.

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