Start Your Emergency Fund Now!

Not everyone is into saving, and that is ok. Not everything is for everyone at the stage of their lives they are in today. However, no matter what financial goals you have in place, you need to be prepared for the worst. Anything can happen at any moment. Most things are slight inconveniences, and some come with hefty payments. Even if you don't have a savings account for retirement, you need an emergency one. If you don't have one, this is your sign to start your emergency fund NOW! Setting Read more [...]

Do I Need A Budget?

Every person and financial advisor I know, always recommends having a budget. A budget helps you keep track of your monthly finances. It helps you keep track of your debts and helps to establish and fund monetary goals for retirement. I think it’s a great plan for some people, but the question is, does everyone need a budget? Follow along to find out if it’s for you. Can’t manage your debt? Debt problems are the number one reason people need Read more [...]

Laid Off: Transform Your Everyday Budget into an Emergency Budget

I was just laid off. When I got the news, I entered the first stage of grief: Denial. I acted like it would all be fine. I know it will be, but once I left the office I broke down crying just thinking of what to tell my spouse and my family. After I got that over with and had some breathing space, I most certainly got to the second stage. I got angry: They only hired me a few months ago, why didn’t they figure this out before they hired me? Did they intend to lay me off the entire time? I skipped Read more [...]