Tags » Emergency Savings

Credit Card Debt vs. Emergency Savings

Credit card debt that seems safe and manageable can become an untenable burden once we’re hit with a job loss or family medical emergency. That’s why – at the least — your credit card debt should never exceed the amount you’ve set aside to deal with emergencies. 220 more words


Why You Won't Be Splurging This April

About 80% of Americans who filed taxes got back a refund last year, averaging just under $2,800. Usually, even though it’s our money to begin with, we treat it kind of like a windfall, buying appliances, going on vacation or spending it in other fun ways. 378 more words

College Grads: Should You Save or Pay Off Debt?

You worked hard, finished school, and managed to get a job in a very tough job market. For the first time in your life, you are making a real living and you want to get your financial life off to a healthy start. 1,095 more words

Personal Finance

Planning Ahead - Building Your Emergency Fund

The thing about an Emergency Fund, is you want to have it in place before  you have an emergency. Makes sense, right?

Here in Calgary, a lot of people are getting anxious about the state of the economy as the Oil & Gas industry takes a dive. 146 more words


Visual Budget and Spending Map, Part 5 of 7

Today we get to the meaty part of the visual budget. Once we get through this, tomorrow we’ll start with the beauty part.

Below what we did yesterday, list everything you want to spend on. 116 more words

Action Tips

Visual Budget and Spending Map, Part 2 of 7

Become a Financial Artist. Create Your Masterpiece.

Yesterday. we started our visual budget. We listed the months across the top, then the income down below. Today, right underneath that, put  633 more words

Action Tips

A Reminder About the Importance of Emergency Savings

This weekend, I was reminded of why every one of us should have an emergency savings fund.

I planned on having new brake pads installed on my car’s front wheels. 279 more words

Personal Finance