Having some extra cash is helpful when the world falls apart. But emergency funds, while great in theory, are very difficult to put into practice. That is why so f...
Write down your expenses from the past few months (look at your debit and credit card bills, your bank statements, etc.)
Next, see what is essential to support your basic needs and what you...
Calculate the minimum amount you could survive on if things got tight, then multiply that amount by three. That is your starting goal for your emergency fund.
Try to transfer your debt onto a zero-interest credit card (also known as a balance-transfer card). It will give you a limited time window where your debt won't accrue interest...
Some people are disciplined enough to manually set aside "leftover" money at the end of every month into a high-interest savings account. Others take the decision-making out of the equati...
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