4 ways to always be ready for unexpected guests

4 ways to be ready for unexpected guests

Unexpected guests — as nice as it might be to see that particular person — can be quite anxiety-inducing. How would you like to shed that anxiety? Do you long for a sense of calm when the doorbell rings? Here are 4 ways to always be ready for unexpected, “drop-in”, surprise guests.

5 ways to build your savings after an emergency.

5 ways to re-build your emergency fund

An emergency fund. Everyone should have one. Financial experts recommend that an emergency fund should cover at least three months of your normal expenses. In today’s economy when the majority of Americans are living paycheck-to-paycheck and strapped with debt, building an emergency fund takes time and self-discipline. It isn’t easy and sometimes takes sacrifice. Once you do have an emergency fund in place — no matter how big or small — there is a sense of accomplishment and rightly so!

But what happens if you need to use the emergency fund? Let’s say you have emergency expenses: major home or vehicle repair, a medical emergency, a speeding ticket, an unexpected bill, whatever it may be. Emergency funds exist for this exact reason! Once you use your fund, you will need to rebuild it. Don’t be discouraged, though. Here are 5 ways to rebuild your savings after an emergency.