I'm assuming that you still have at least one credit card, right? Is the credit limit high enough a buffer for you?

Assuming that you have a card but the limit isn't high enough, first thing you could do is call them and ask to have it raised. However, in this climate, some customers are having their limits lowered lately so that might not work.

If that doesn't work, I would suggest that you start using the card and paying the balance off each month. By doing so, your credit report shows that you can handle credit without going hog wild and then declaring bankruptcy every seven years. Ironically, once you start carrying a balance, they become a lot more receptive to raising your limit, too, so that's an option to raise your limit. Or get a second card.

If you have a 401K account, there are rules that allow you to borrow against your balance for hardship reasons. Or you could actually withdraw that money, if you pay a penalty and the income tax. Roth IRA contributions can be withdrawn any time with no penalty.

Depending on the kinds of emergencies you're thinking of needing money for, try to have the proper insurance. Even a small medical problem can turn into a large medical bill.