Most of us are content to live our lives day by day, doing what we need to do to survive and pay the bills. But what happens when something goes wrong, and we are left to struggle through the turmoil of a change of situation, especially if we don’t have money handy?
Living paycheck to paycheck is not fun. It’s terrifying when something happens and the money gets cut, or just stops coming. What can we do to prevent that from happening to us?
No one wants to think that something bad will happen to them. But the truth of the matter is, no matter how much you plan or work or worry, Murphy always comes knocking. (You know Murphy; he’s the guy with his own Law.)
When Murphy stops by, you’d better be ready for him, because he usually just doesn’t go quietly. Most of the time, his visits are full of stress and fear, because he generally brings a thorough dosage of mayhem along with him.
Learning the hard way is usually how we tend to devise ways to cope. However, allow my recent experience to help you through. When I had recent surgery, I lost a great deal of work and money. Without the assistance of colleagues, I would have been completely lost.
Most of us, though, do not have that to fall back on, and I am thankful every day for all of the help that I received. For those who don’t have that to lean on, here are some suggestions to help the hard times seem much easier. These are suggestions coming from Dave Ramsey, author of “Financial Peace:” • Sock away $1000. Before you do anything else, stash an emergency fund of $1000. That little buffer may not sound like much, or it may sound like a great deal of money, but it will certainly help when you really need it. • Become debt free. This may sound like a statement where you want to scream, “DUH,” but trust me, there are very few Americans, Webmasters or not, who are truly debt free. Get OUT of debt. Carrying a credit card balance is a death sentence when you’re fighting to gain financial independence. • Once you’re debt free, stash another 3-6 months’ worth of cash. This should include enough money to pay all of your bills and buy necessities like food, gas, and your pets’ needs. • Feels good, doesn’t it? You’re not done. Investments can come now. Take some of the money you make and invest in your future. Roth IRAs, Mutual funds, and real estate investments will most certainly add to your wealth. Remember to follow the rules and yet invest as much as you are allowed to invest.
Don’t let bad times ruin you financially. Make sure you have at least the $1000 stashed away somewhere. Losing your income is a scary thing, but you don’t have to be caught without recourse. Learn and apply the knowledge gained, and you will be well on your way to financial stability.
Take care of yourselves! ~ Tala
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