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For those of us fortunate enough to live in Western New Brunswick these days, it may seem like things are almost back to normal. Unfortunately, that could easily change as evidenced by the recent outbreak in Moncton, increasing cases being experienced by our fellow Canadians across the country and continued acceleration of cases on our southern border. So what should you do to prepare?
One of the basics of any sound financial plan is to always have some funds set aside in a boring old savings account to use in emergencies. The rule of thumb is three to six months of living expenses … and yes I know that's difficult with everything going on but you'll be surprised at how much better you'll sleep knowing that you've made at least some preparation for the unexpected … or in this case, the expected.
If you're not able to put in more hours to make more, the only other option to generate surplus each month is to identify spending within your control to reduce. Even a little bit here and there can add up over time. So take a look at simple things like the cost of your cell phone plan, cable or satellite costs, unnecessarily high-interest debt or bank charges that provide little value. Believe me, the savings are out there but you will need to spend a little time just having a look. The next article provides some insight that may be of interest in reaching your savings goals ... if you need assistance, we're here to help.