четверг, 11 февраля 2016 г.

Are you disaster proof?

When shit hits the fan, what do you have? An umbrella? Or a hazmat suit? No one can accurately predict mishaps and misfortunes in one’s life so you better have a decent backup plan. Here are two of the tried and tested ways that you can help disaster-proof you and your family:
Emergency fund. The recession has underscored the importance of an emergency fund. Be sure to have at least six months’ worth of living expenses in your emergency fund. That means it’s money that can easily be accessed in case crap happens. The job situation today hints that a years’ worth of living expenses as emergency fund isn’t that bad. Replenish it before spending your money on other things.
Insurance. Aside from your emergency fund, you can also protect yourself and your stuff through insurance. While many might claim that these can be an unnecessary expense, my own experience has taught me to value insurance. Prioritize getting health, life, home, and car insurance policies. Just shop around to get the best deals.

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