Category: Emergency Fund

Do you have an emergency fund? About three years ago, I had to take a good look at my finances.  I realized that I had no financial margins.  If any emergency were to arise, I would have no buffer whatsoever 😨!  Therefore, things had to change so I got to …

A new year has begun.  I always believe a new year represents a new beginning. It’s a marvelous time to make some changes.  As you reflect on last year, you have already probably come up with a list of New Year’s resolutions for the year.  It might include exercising, a …