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What You Can Do Right Now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Make “unexpected expenses” a part of your budget.
  • Collect receipts for last year's expenses. Highlight expenses that don't happen every month. This list is the beginning of your “unexpected expenses” budget.
  • Next Week
  • Once you have identified your past “unexpected expenses,” estimate their costs and timing. This will give you an amount per month that you should save.
  • During the Next Few Months
  • Start saving the monthy amount you identifed in your budget review.
  • Recognize that basing future expenses on past expenses only provides savings guidelines. But, this method may keep an unexpected expense from becoming an emergency.