Bangalore: We often find financial analyst giving importance on having a cash reserve before you start investing in things like stocks and mutual funds. But there are scenarios where your spending habits prevent you from saving. Then it's time to wrap up all your reckless spending and kick start your saving account. Have you ever given a thought of how you would manage your finances if you encountered a job loss or health crisis? If this question has terrified you, it might be even more surprising for you to know that majority of the population say they have a hard time managing their finances when faced with emergency situations that come with astonishing costs. Beyond the traditional advice of 'save automatically' and 'cut spending,' consider these out-of-the-box ways to boost your personal cash reserve to ensure you never fall short on money. Get Real The hardest thing about investigating into your finances is actually getting started. It's daunting to take a long hard look at what you have and what you don't. If you really want to get started with your saving, it's time to get real. You could use online tool that provide great resource for putting your financial status in perspective with easy-to-read pie charts and graphs. With this you can save your money and track your spending habits.